Dollars Related Quotes

Soon after the completion of his college course, his whole nature was kindled into one intense and passionate effervescence of romantic passion. His hour came,—the hour that comes only once; his star rose in the horizon,—that star that rises so often in vain, to be remembered only as a thing of dreams; and it rose for him in vain. To drop the figure,—he saw and won the love of a high-minded and beautiful woman, in one of the northern states, and they were affianced. He returned south to make arrangements for their marriage, when, most unexpectedly, his letters were returned to him by mail, with a short note from her guardian, stating to him that ere this reached him the lady would be the wife of another. Stung to madness, he vainly hoped, as many another has done, to fling the whole thing from his heart by one desperate effort. Too proud to supplicate or seek explanation, he threw himself at once into a whirl of fashionable society, and in a fortnight from the time of the fatal letter was the accepted lover of the reigning belle of the season; and as soon as arrangements could be made, he became the husband of a fine figure, a pair of bright dark eyes, and a hundred thousand dollars; and, of course, everybody thought him a happy fellow. The married couple were enjoying their honeymoon, and entertaining a brilliant circle of friends in their splendid villa, near Lake Pontchartrain, when, one day, a letter was brought to him in that well-remembered writing. It was handed to him while he was in full tide of gay and successful conversation, in a whole room-full of company. He turned deadly pale when he saw the writing, but still preserved his composure, and finished the playful warfare of badinage which he was at the moment carrying on with a lady opposite; and, a short time after, was missed from the circle. In his room,alone, he opened and read the letter, now worse than idle and useless to be read. It was from her, giving a long account of a persecution to which she had been exposed by her guardian's family, to lead her to unite herself with their son: and she related how, for a long time, his letters had ceased to arrive; how she had written time and again, till she became weary and doubtful; how her health had failed under her anxieties, and how, at last, she had discovered the whole fraud which had been practised on them both. The letter ended with expressions of hope and thankfulness, and professions of undying affection, which were more bitter than death to the unhappy young man. He wrote to her immediately: I have received yours,—but too late. I believed all I heard. I was desperate. I am married, and all is over. Only forget,—it is all that remains for either of us." And thus ended the whole romance and ideal of life for Augustine St. Clare. But the real remained,—the real, like the flat, bare, oozy tide-mud, when the blue sparkling wave, with all its company of gliding boats and white-winged ships, its music of oars and chiming waters, has gone down, and there it lies, flat, slimy, bare,—exceedingly real. Of course, in a novel, people's hearts break, and they die, and that is the end of it; and in a story this is very convenient. But in real life we do not die when all that makes life bright dies to us.

Money flows to people who respect it. Treat every dollar like it's related to a Billion.

A few years ago, for instance, the AARP asked some lawyers if they would offer less expensive services to needy retirees, at something like $30 an hour. The lawyers said no. Then the program manager from AARP had a brilliant idea: he asked the lawyers if they would offer free services to needy retirees. Overwhelmingly, the lawyers said yes. What was going on here? How could zero dollars be more attractive than $30? When money was mentioned, the lawyers used market norms and found the offer lacking, relative to their market salary. When no money was mentioned they used social norms and were willing to volunteer their time. Why didn’t they just accept the $30, thinking of themselves as volunteers who received $30? Because once market norms enter our considerations, the social norms depart.

Relative income uses two variables: the dollar and time, usually hours.

A man’s wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on ten dollars, and has everything else he desires, he really is rich.

All the currencies of Europe are relatives of the Dollar.

We have the money. We’ve just made choices about how to spend it. Over the years, lawmakers on both sides of the aisle have restricted housing aid to the poor but expanded it to the affluent in the form of tax benefits for homeowners. 57 Today, housing-related tax expenditures far outpace those for housing assistance. In 2008, the year Arleen was evicted from Thirteenth Street, federal expenditures for direct housing assistance totaled less than $40.2 billion, but homeowner tax benefits exceeded $171 billion. That number, $171 billion, was equivalent to the 2008 budgets for the Department of Education, the Department of Veterans Affairs, the Department of Homeland Security, the Department of Justice, and the Department of Agriculture combined. 58 Each year, we spend three times what a universal housing voucher program is estimated to cost (in total ) on homeowner benefits, like the mortgage-interest deduction and the capital-gains exclusion. Most federal housing subsidies benefit families with six-figure incomes. 59 If we are going to spend the bulk of our public dollars on the affluent—at least when it comes to housing—we should own up to that decision and stop repeating the politicians’ canard about one of the richest countries on the planet being unable to afford doing more. If poverty persists in America, it is not for lack of resources.

We have to examine the extent to which we export poverty to other societies. When we decide that we will import products from China that are produced by people earning less than a dollar an hour, and grant their country most-favored-nation status (political contributions notwithstanding), we are deciding to make American workers who must earn the minimum wage compete with them. I am not suggesting that we close the doors to China or to Mexico, but I am suggesting that we look very carefully at the web of international relationships that we are creating. At the very minimum, we should understand that we have two choices in our country: we can raise world living standards by exporting those standards, or we can lower living standards- not only the world’s but also our own- by deciding that it is acceptable for the products of exploited labor to enter this country.

Americans. They came right out with things. Hitchens family lore related the tale of how once, when I was but a toddler, my parents were passing with me through an airport and ran into some Yanks. 'Real cute kid,' said these big and brash people without troubling to make a formal introduction. They insisted on photographing me and, before breaking off to resume their American lives, pressed into my dimpled fist a signed dollar bill in token of my cuteness. This story was often told (I expect that Yvonne and the Commander had been to an airport together perhaps three times in their lives) and always with a note of condescension. That was Americans for you: wanting to be friendly all right, but so loud, and inclined to flash the cash.

Seize the opportunity in front of you. Imagine. Invent. Disrupt. Do good. I know that you must be passionate, unreasonable, and a little bit crazy to follow your own ideas and do things differently. But it’s worth it. Life grows relative to one’s investment in it.

The USS Cole was a billion-dollar command and attack ship equipped with computer-linked radar that could follow more than one hundred airplanes, ships, and missile targets at once. It had relatively little defense, however, against three suicide bombers in a thousand-dollar skiff.

What amazes us is that parents all over the world are literally paying thousands of dollars in college tuition so that their sons and daughters can be taught the “truth” that there is no truth, not to mention other self-defeating postmodern assertions such as: 8220;All truth is relative” (Is that a relative truth?); “ There are no absolutes” (Are you absolutely sure?); and, “It’s true for you but not for me!” (Is that statement true just for you, or is it true for everyone?) “True for you but not for me” may be the mantra of our day, but it’s not how the world really works. Try saying that to your bank teller, the police, or the IRS and see how far you get! Of course these modern mantras are false because they are self-defeating. But for those who still blindly believe them, we have a few questions: If there really is no truth, then why try to learn anything? Why should any student listen to any professor? After all, the professor doesn’t have the truth. What’s the point of going to school, much less paying for it? And what’s the point of obeying the professor’s moral prohibitions against cheating on tests or plagiarizing term papers?

At least ten times as many people died from preventable, poverty-related diseases on September 11, 2001, as died in the terrorist attacks on the World Trade Center and the Pentagon on that black day. The terrorist attacks led to trillions of dollars being spent on the ‘war on terrorism’ and on security measures that have inconvenienced every air traveller since then. The deaths caused by poverty were ignored. So whereas very few people have died from terrorism since September 11, 2001, approximately 30,000 people died from poverty-related causes on September 12, 2001, and on every day between then and now, and will die tomorrow.

Oh, look, there are jobs available in Jacksonville! Today there are two jobs for me and 1.2 million other people in this city to choose from. I can either go into the advertising industry by being a sign spinner, which sounds perfect for me because I really enjoy standing in the heat and getting honked at by drivers, or I can go into public relations by being a part time host/hostess at the Applebees on Old. St. Augustine Rd. Both of these jobs sound great, but since the competition for them is so stiff, I’m really regretting not having taken on another $50,000 dollars of debt and getting a master’s degree. I’m not feeling confident that I’m qualified for either of them.

Life grows relative to one’s investment in it.

The Nazis confiscated his personal property, burned his works on relativity, and put a five-thousand-dollar bounty on his head.

rather than trying to work hard and figure out an item’s absolute value, when given the choice, we take the path of relatively least resistance.

MURRAY (with a cynical laugh). Interesting? On a small town rag? A month of it, perhaps, when you're a kid and new to the game. But ten years. Think of it! With only a raise of a couple of dollars every blue moon or so, and a weekly spree on Saturday night to vary the monotony. (He laughs again.) Interesting, eh? Getting the dope on the Social of the Queen Esther Circle in the basement of the Methodist Episcopal Church, unable to sleep through a meeting of the Common Council on account of the noisy oratory caused by John Smith's application for a permit to build a house; making a note that a tugboat towed two barges loaded with coal up the river, that Mrs. Perkins spent a week-end with relatives in Hickville, that John Jones Oh help! Why go on? Ten years of it! I'm a broken man. God, how I used to pray that our Congressman would commit suicide, or the Mayor murder his wife just to be able to write a real story!

One of the ways in which cooperatives rectify the injustices of capitalism is by instituting a relatively equal compensation-scheme for their members. While in the U.S. the average ratio of CEO compensation in the Fortune 500 companies to the ordinary worker’s has recently been reported as 344:1,49 in co-ops the pay-differential between management and the average worker rarely exceeds 4:1. In collectives, everyone is usually paid the same amount. For example, a British study from the 1980s reports that all of the dozens of small co-ops it researched had lower pay-differentials than conventional businesses, and most had little or no differential at all.50 At Arizmendi Bakery everyone currently receives about 20 dollars an hour plus a percentage of the year’s profits. The worker-owners of Mondragon Bookstore and Coffeehouse in Canada earn the same rate of pay. At Equal Exchange, a relatively large co-op, there is a 4:1 pay ratio.

Keep note of the times when they give up things, and when they are excited for someone else’s success. Sundar notes that “sometimes decisions come up and people have to give up things. I overindex on those signals when people give something up.* And also when someone is excited because something else is working well in the company. It isn’t related to them, but they are excited. I watch for that. Like when you see a player on the bench cheering for someone else on the team, like Steph Curry jumping up and down when Kevin Durant hits a big shot. You can’t fake that.

It’s always struck me as the ultimate insult to pay to park at hospitals; they incarcerate your friends and relations in rooms that cost six or seven hundred dollars a day, then put a little sting in by charging a few extra bucks to visit them.

fact that it’s a fire. Non-judgmental concentration trains your brain to realize that the people and things in your life don’t exist relative to you; they simply exist. If you can take yourself out of the equation, you’ll have a much clearer view.

Facebook, Oliver. You’d know what I’m talking about if you logged in more than once. All you’ve posted is an off-centered picture of a blurry raccoon.” “I’m still getting acclimated to the camera feature.” “You also only have two friends, and they’re both fake accounts.” “They told me I had funds available in a deceased relative’s account that they would help me retrieve. It sounded promising.” A sharp laugh hits me. “You didn’t even accept my friend request.” “You weren’t offering me two-million dollars.” Another laugh that prompts my own.

Security ... what does this word mean in relation to life as we know it today? For the most part, it means safety and freedom from worry. It is said to be the end that all men strive for; but is security a utopian goal or is it another word for rut? Let us visualize the secure man; and by this term, I mean a man who has settled for financial and personal security for his goal in life. In general, he is a man who has pushed ambition and initiative aside and settled down, so to speak, in a boring, but safe and comfortable rut for the rest of his life. His future is but an extension of his present, and he accepts it as such with a complacent shrug of his shoulders. His ideas and ideals are those of society in general and he is accepted as a respectable, but average and prosaic man. But is he a man? has he any self-respect or pride in himself? How could he, when he has risked nothing and gained nothing? What does he think when he sees his youthful dreams of adventure, accomplishment, travel and romance buried under the cloak of conformity? How does he feel when he realizes that he has barely tasted the meal of life; when he sees the prison he has made for himself in pursuit of the almighty dollar? If he thinks this is all well and good, fine, but think of the tragedy of a man who has sacrificed his freedom on the altar of security, and wishes he could turn back the hands of time. A man is to be pitied who lacked the courage to accept the challenge of freedom and depart from the cushion of security and see life as it is instead of living it second-hand. Life has by-passed this man and he has watched from a secure place, afraid to seek anything better What has he done except to sit and wait for the tomorrow which never comes? Turn back the pages of history and see the men who have shaped the destiny of the world. Security was never theirs, but they lived rather than existed. Where would the world be if all men had sought security and not taken risks or gambled with their lives on the chance that, if they won, life would be different and richer? It is from the bystanders (who are in the vast majority) that we receive the propaganda that life is not worth living, that life is drudgery, that the ambitions of youth must he laid aside for a life which is but a painful wait for death. These are the ones who squeeze what excitement they can from life out of the imaginations and experiences of others through books and movies. These are the insignificant and forgotten men who preach conformity because it is all they know. These are the men who dream at night of what could have been, but who wake at dawn to take their places at the now-familiar rut and to merely exist through another day. For them, the romance of life is long dead and they are forced to go through the years on a treadmill, cursing their existence, yet afraid to die because of the unknown which faces them after death. They lacked the only true courage: the kind which enables men to face the unknown regardless of the consequences. As an afterthought, it seems hardly proper to write of life without once mentioning happiness; so we shall let the reader answer this question for himself: who is the happier man, he who has braved the storm of life and lived or he who has stayed securely on shore and merely existed?

Emptiness was an index. It recorded the incomprehensible chronicle of the metropolis, the demographic realities, how money worked, the cobbled-together lifestyles and roosting habits. The population remained at a miraculous density, it seemed to him, for the empty rooms brimmed with evidence, in the stragglers they did or did not contain, in the busted barricades, in the expired relatives on the futon beds, arms crossed over their chests in ad hoc rites. The rooms stored anthropological clues re: kinship rituals and taboos. How they treated their dead. The rich tended to escape. Entire white-glove buildings were devoid, as Omega discovered after they worried the seams of and then shattered the glass doors to the lobby (no choice, despite the No-No Cards). The rich fled during the convulsions of the great evacuation, dragging their distilled possessions in wheeled luggage of European manufacture, leaving their thousand-dollar floor lamps to attract dust to their silver surfaces and recount luxury to later visitors, bowing like weeping willows over imported pile rugs. A larger percentage of the poor tended to stay, shoving layaway bureaus and media consoles up against the doors. There were those who decided to stay, willfully uncomprehending or stupid or incapacitated by the scope of the disaster, and those who could not leave for a hundred other reasons - because they were waiting for their girlfriend or mother or soul mate to make it home first, because their mobility was compromised or a relative was debilitated, crutched, too young. Because it was too impossible, the enormity of the thought: This is the end. He knew them all from their absences.

The bartender is Irish. Jumped a student visa about ten years ago but nothing for him to worry about. The cook, though, is Mexican. Some poor bastard at ten dollars an hour—and probably has to wash the dishes, too. La Migra take notice of his immigration status—they catch sight of his bowl cut on the way home to Queens and he’ll have a problem. He looks different than the Irish and the Canadians—and he’s got Lou Dobbs calling specifically for his head every night on the radio. (You notice, by the way, that you never hear Dobbs wringing his hands over our border to the North. Maybe the “white” in Great White North makes that particular “alien superhighway” more palatable.) The cook at the Irish bar, meanwhile, has the added difficulty of predators waiting by the subway exit for him (and any other Mexican cooks or dishwashers) when he comes home on Friday payday. He’s invariably cashed his check at a check-cashing store; he’s relatively small—and is unlikely to call the cops. The perfect victim. The guy serving my drinks, on the other hand, as most English-speaking illegal aliens, has been smartly gaming the system for years, a time-honored process everybody at the INS is fully familiar with: a couple of continuing education classes now and again (while working off the books) to get those student visas. Extensions. A work visa. A “farm” visa. Weekend across the border and repeat. Articulate, well-connected friends—the type of guys who own, for instance, lots of Irish bars—who can write letters of support lauding your invaluable and “specialized” skills, unavailable from homegrown bartenders. And nobody’s looking anyway. But I digress…

Norton and his colleagues would call the psychology behind DiAngelo’s mother’s warnings “last place aversion.” In a hierarchical system like the American economy, people often show more concern about their relative position in the hierarchy than their absolute status. Norton and his colleagues used games where they gave participants the option to give money to either people who had more money than they had, or those who had less. In general, people gave money to those who had less—except for people who were in the second-to-last place in the money distribution to begin with. These players more often gave their money to the people above them in the distribution so that they wouldn’t fall into last place themselves. The study authors also looked at real-world behaviors and found that lower-income people are less supportive of redistributive policies that would help them than logic would suggest. Even though raising the minimum wage is overwhelmingly popular, people who make a dollar above the current minimum “and thus those most likely to ‘drop’ into last place” alongside the workers at the bottom expressed less support. “Last-place aversion suggests that low-income individuals might oppose redistribution because they fear it might differentially help a last-place group to whom they can currently feel superior,” the study authors wrote.

The African Robotics Network (AFRON) offers a good model. A community of individuals and institutions, AFRON hosts events and projects to boost robotics-related education, research, and industry on the continent. Through initiatives like its 10 Dollar Robot Challenge, AFRON encourages the development of extremely low-cost robotics education.

What does it mean to invade a country, topple its leader, face a raging insurgency, open a Pandora’s box of sectarian conflict across a region, spend trillions of dollars, kill hundreds of thousands of people, and permanently alter hundreds of thousands of American lives? Something in the character of post-9/11 America seemed unable, or unwilling, to process the scale of the catastrophic decision, and the spillover effects it had—an emboldened Iran, embattled Gulf states, a Syrian dictator who didn’t want to be next, a Russian “strongman who resented American dominance, a terrorist organization that would turn itself into an Islamic State, and all the individual human beings caught in between.

Politicians and their relatives provide ample fodder as well, with elected officials who enter politics making between one hundred and two hundred thousand dollars a year, yet somehow amass wealth in the tens of millions over their tenure in government; aside from being humble public servants, apparently they are also astute investors. Politics is big business. Is

When she was nine or ten, one of her relatives asked her at a family gathering the question every boy and girl is asked sooner or later: “What do you want to do when you grow up?” Without skipping a beat, Elizabeth replied, “I want to be a billionaire.” “Wouldn’t you rather be president?” the relative asked. “No, the president will marry me because I’ll have a billion dollars.

SOCIAL/GENERAL ICEBREAKERS 1. What do you think of the movie/restaurant/party? 2. Tell me about the best vacation you’ve ever taken. 3. What’s your favorite thing to do on a rainy day? 4. If you could replay any moment in your life, what would it be? 5. What one thing would you really like to own? Why? 6. Tell me about one of your favorite relatives. 7. What was it like in the town where you grew up? 8. What would you like to come back as in your next life? 9. Tell me about your kids. 10. What do you think is the perfect age? Why? 11. What is a typical day like for you? 12. Of all the places you’ve lived, tell me about the one you like the best. 13. What’s your favorite holiday? What do you enjoy about it? 14. What are some of your family traditions that you particularly enjoy? 15. Tell me about the first car you ever bought. 16. How has the Internet affected your life? 17. Who were your idols as a kid? Have they changed? 18. Describe a memorable teacher you had. 19. Tell me about a movie/book you’ve seen or read more than once. 20. What’s your favorite restaurant? Why? 21. Tell me why you were named ______. What is the origin of your last name? 22. Tell me about a place you’ve visited that you hope never to return to. get over your mom’s good intentions. 23. What’s the best surprise you’ve ever received? 24. What’s the neatest surprise you’ve ever planned and pulled off for someone else? 25. Skiing here is always challenging. What are some of your favorite places to ski? 26. Who would star as you in a movie about your life? Why that person? 27. Who is the most famous person you’ve met? 28. Tell me about some of your New Year’s resolutions. 29. What’s the most antiestablishment thing you’ve ever done? 30. Describe a costume that you wore to a party. 31. Tell me about a political position you’d like to hold. 32. What song reminds you of an incident in your life? 33. What’s the most memorable meal you’ve eaten? 34. What’s the most unforgettable coincidence you’ve experienced or heard about? 35. How are you able to tell if that melon is ripe? 36. What motion picture star would you like to interview? Why? 37. Tell me about your family. 38. What aroma brings forth a special memory? 39. Describe the scariest person you ever met. 40. What’s your favorite thing to do alone? 41. Tell me about a childhood friend who used to get you in trouble. 42. Tell me about a time when you had too much to eat or drink. 43. Describe your first away-from-home living quarters or experience. 44. Tell me about a time that you lost a job. 45. Share a memory of one of your grandparents. 46. Describe an embarrassing moment you’ve had. 47. Tell me something most people would never guess about you. 48. What would you do if you won a million dollars? 49. Describe your ideal weather and why. 50. How did you learn to ski/hang drywall/play piano?

Family is the nucleus unit of any society. Although modern science allows us to create life in a petri dish, I believe God designed humans—like all other animals—to be born of a male and a female union in the context of family according to His divine plan for our spiritual development. Family grounds us and grows us. We first learn how to relate to others through our family relationships. We learn to change and adapt according to the needs of our family. For instance, a mother will notice the subtle moves and shiftings of her baby in her womb. As the baby squirms and moves about, the mother will adjust her body to make the baby more comfortable. Sometimes I think back to the days when I carried my own babies. Tending to their tiniest needs, I began to understand that God tends to our smallest needs just as well.

Price controls and the direct allocation of resources by political institutions require much more explicit knowledge on the part of a small number of planners than a market economy requires so that it can be coordinated by prices to which millions of dollars respond. people based on first-hand knowledge of their own circumstances and preferences, and the relatively low prices that each individual must handle.

A prohibition on the hoarding or possession of gold was integral to the plan to devalue the dollar against gold and get people spending again. Against this background, FDR issued Executive Order 6102 on April 5, 1933, one of the most extraordinary executive orders in U.S. history. The blunt language over the signature of Franklin Delano Roosevelt speaks for itself: I, Franklin D. Roosevelt . . . declare that [a] national emergency still continues to exist and . . . do hereby prohibit the hoarding of gold coin, gold bullion, and gold certificates within the . . . United States by individuals, partnerships, associations and corporations.... All persons are hereby required to deliver, on or before May 1, 1933, to a Federal reserve bank . . . or to any member of the Federal Reserve System all gold coin, gold bullion and gold certificates now owned by them.... Whoever willfully violates any provision of this Executive Order . . . may be fined not more than $10,000 or . . . may be imprisoned for not more than ten years. The people of the United States were being ordered to surrender their gold to the government and were offered paper money at the exchange rate of $20.67 per ounce. Some relatively minor exceptions were made for dentists, jewelers and others who made “legitimate and customary” use of gold in their industry or art. Citizens were allowed to keep $100 worth of gold, about five ounces at 1933 prices, and gold in the form of rare coins. The $10,000 fine proposed in 1933 for those who continued to hoard gold in violation of the president’s order is equivalent to over $165,000 in today’s money, an extraordinarily large statutory fine. Roosevelt followed up with a

Okay,” Amy said, blowing out a breath. “Our grandmother Grace left a will that gave us a choice between a million dollars and a hunt to find thirty-nine clues, which, when we put them together, will make us the most powerful people in the world. So we chose the hunt. Along with various assorted horrible Cahill relatives, all of whom have tried to kill us at one time or another.” Shep sighed. “If you don’t want to tell me, I guess that’s up to you.

Still, it is argued that millions of people benefit from such programs. Of course, trillions of dollars in government expenditures over many years most assuredly benefit the recipients of subsidies or other related payments. But this does not change the arithmetic. The eventual collapse of a colossal government venture will indiscriminately engulf an entire society and economy, including its millions of beneficiaries and benefactors, resulting in widespread disorder and misery.

At least ten times as many people died from preventable, poverty-related diseases on September 11, 2011, as died in the terrorist attack on the World Trade Center and the Pentagon on that black day. The terrorist attacks led to trillions of dollars being spent on the ‘war on terrorism’ and on security measures that have inconvenienced every air traveller since then. The deaths caused by poverty were ignored. So whereas very few people have died from terrorism since September 11, 2001, approximately 30,000 people died from poverty-related causes on September 12, 2001, and on every day between then and now, and will die tomorrow. Even when we consider larger events like the Asian tsunami of 2004, which killed approximately 230,000 people, or the 2010 earthquake in Haiti that killed up to 200,000, we are still talking about numbers that represent just one week’s toll for preventable, poverty-related deaths — and that happens fifty-two weeks in every year.

She’d just come back when Marvel tapped the computer screen and said, “See, what happened was, this guy, Representative Diller, got the licensing fees on semi-trailers reduced by about half, so they’d supposedly be in line with what they were in the surrounding states. He said he wanted to do that so the trucking companies wouldn’t move out of Minnesota. But what you see over here is a bunch of 1099 forms that were sent by trucking companies to Sisseton High-Line Consulting, LLC, of Sisseton, South Dakota. Over here is the South Dakota LLC form and we find out that a Cheryl Diller is the president of Sisseton High-Line Consulting. And we see that she got, mmm, fifty-five thousand dollars for consulting work that year, from trucking companies.” “So if these two Dillers are related . . .” Lucas began. “I promise you, they are,” Marvel said. Kidd said, “Marvel’s a state senator. In Arkansas.” Marvel added, “This shit goes on all the time. On everything you can think of, and probably a lot you can’t think of.

In my early years the psychology of the 1960s U.S. was aspirational and inspirational—to achieve great and noble goals. It was like nothing I have seen since. One of my earliest memories was of John F. Kennedy, an intelligent, charismatic man who painted vivid pictures of changing the world for the better—exploring outer space, achieving equal rights, and eliminating poverty. He and his ideas had a major effect on my thinking. The United States was then at its peak relative to the rest of the world, accounting for 40 percent of its economy compared to about 20 percent today; the dollar was the world’s currency; and the U.S. was the dominant military power. Being “liberal” meant being committed to moving forward in a fast and fair way, while being “conservative” meant being stuck in old and unfair ways—at least that’s how it seemed to me and to most of the people around me. As we saw it, the U.S. was rich, progressive, well managed, and on a mission to improve quickly at everything. I might have been naive but I wasn’t alone.

A Politico article in November 2020 claimed that Biden’s eventual win in Georgia was related to Democrats’ massive efforts to fight so-called “voter suppression tactics,” the left’s terminology for ensuring that election fraud is limited by removing ineligible voters from polling books, having voters submit identification, and limiting the participation of outside parties in the secret voting process.56 Democrats did invest in the project, spending tens of millions of dollars to challenge and change voter integrity laws.

The Costs of War Project at Brown University reports that over 6,800 US troops have died in the Afghanistan and Iraq wars. In addition, the Costs of War Project says at least 6,780 US contractors, rarely counted, should be included in the American death toll. Suicides by American veterans number into the thousands and are not counted in battle-related deaths. Hundreds of thousands of Iraqi and Afghan citizens have died as well. Total dollar costs for the wars will exceed $4 trillion. I predict it will cost even more since the total tally won’t be in for decades. And it’s not over yet. Even in 2013 we still had over 100,000 Department of Defense contractors in Afghanistan. And we’re not about to close down the biggest embassy in the world in Baghdad. There are no plans to actually leave either country. Yet there are plenty of plans to maintain and to expand our presence worldwide as we deal with Syria, Lebanon, Iran, or wherever our US Empire chooses. Killing hundreds of thousands of the so-called enemy makes no sense given that most of them had no involvement in 9/11. This is pure bloodlust.

The true meaning of money yet remains to be popularly explained and comprehended. When each individual realises for himself that this thing primarily stands for and should only be accepted as a moral due - that it should be paid out as honestly stored energy, and not as a usurped privilege - many of our social, religious, and political troubles will have permanently passed. As for Carrie, her understanding of the moral significance of money was the popular understanding, nothing more. The old definition: 'Money: something everybody else has and I must get,' would have expressed her understanding of it thoroughly. Some of it she now held in her hand - two soft, green ten-dollar bills - and she felt that she was immensely better off for the having of them. It was something that was power in itself. One of her order of mind would have been content to be cast away upon a desert island with a bundle of money, and only the long strain of starvation would have taught her that in some cases it could have no value. Even then she would have had no conception of the relative value of the thing; her one thought would, undoubtedly, have concerned the pity of having so much power and the inability to use it.

In relation to “Killing Me Softly,” I was surely a poseur, the kind of coward to whom crossover albums were marketed or, worse yet, someone co-opting someone else’s bad experience. And yet, now, in the Tower Records, I understood that there was a sense in which “Killing Me Softly” was just a song—it itself wasn’t the cursive font in which the titles were printed, which made me think of a tattoo, and caused me to feel sheltered and useless. I ended up buying the cassette single, because it was only two dollars, and because it seemed more honest about just being into the most popular song on the album.

There were, inevitably, children’s clothing stores, furniture shops still offering bedroom sets by layaway, and dollar stores whose awnings teemed with suspended inflatable dolls, beach chairs, laundry carts, and other impulse purchases a mom might make on a Saturday afternoon, exhausted by errand running with her kids. There was the sneaker store where Olga used to buy her cute kicks, the fruit store Prieto had worked at in high school, the little storefront that sold the kind of old-lady bras Abuelita used to wear. On the sidewalks, the Mexican women began to set up their snack stands. Mango with lime and chili on this corner, tamales on that. Until the Mexicans had come to Sunset Park, Olga had never tried any of this food, and now she always tried to leave a little room to grab a snack on her way home. Despite the relatively early hour, most of the shops were open, music blasting into the streets, granting the avenue the aura of a party. In a few more hours, cars with their stereos pumping, teens with boom boxes en route to the neighborhood’s public pool, and laughing children darting in front of their mothers would add to the cacophony that Olga had grown to think of as the sound of a Saturday.

Money is a tool, but it’s also a symbol. It’s sort of like the luxury wine sector, which is a trillion-dollar-a-year industry even though many people can’t taste the difference between low- and high-quality, cheap and expensive, red and white wines. As Samuel Hammond, a senior economist at the Foundation for American Innovation, tweeted, “Wine seems to just be a well-studied microcosm of how human beliefs and desires work more generally. Namely, that they’re socially mediated, easily falsified, unconsciously influenced by cues of status and distinction, and relatively impervious to rational self-reflection.

Poor is relative, of course. None of you were rich or had any dreams of being rich or even knew anyone rich. But the widest gulf in the world is the distance between getting by and not quite getting by. Crossing that gap can happen in a hundred ways, almost all by accident. Bad day at work and/or kid has a fever and/or miss the bus and consequently ten minutes late to the audition which equals you don’t get to play the part of Background Oriental with Downtrodden Face. Which equals, stretch the dollar that week, boil chicken bones twice for a watery soup, make the bottom of the bag of rice last another dinner or three.

What is America to do about the rising tide of horror? Visitors from Europe or Japan shake their heads in wonder at the squalor and barbarity of America’s cities. They could be forgiven for thinking that the country had viciously and deliberately neglected its poor and its blacks. Of course, it has not. Since the 1960s, the United States has poured a staggering amount of money into education, housing, welfare, Medicaid, and uplift programs of every kind. Government now spends $240 billion a year to fight poverty,1278 and despite the widespread notion that spending was curtailed during Republican administrations, it has actually gone up steadily, at a rate that would have astonished the architects of the Great Society. Federal spending on the poor, in real 1989 dollars, quadrupled from 1965 to 1975, and has nearly doubled since then.1279 As the economist Walter Williams has pointed out, with all the money spent on poverty since the 1960s, the government could have bought every company on the Fortune 500 list and nearly all the farmland in America.1280 What do we have to show for three decades and $2.5 trillion worth of war on poverty? The truth is that these programs have not worked. The truth that America refuses to see is that these programs have made things worse.

Although it would be difficult to prove, the pervading view of wealth—that it should be forcibly taken from those who have it—probably has an effect on crime. If, as they are told over and over, the poor are entitled to money earned by others, why should they not simply take it themselves and cut out the middleman? Crime is, in fact, a much more efficient way to spread wealth. Of every dollar spent by Congress for welfare, only thirty cents actually reach recipients. Administration and bureaucrat salaries eat up the rest.1318 New York City spends an incredible $18,000 a year per person to accommodate drifters on cots laid out by the hundreds on the floors of armories.

He looked for commitment, to the cause and not just to their own success. Team First! You need to find... people who put the company first... But how do you know when you have found such a person? Keep note of the times when they give up things, and when they are excited for someone else's success. Sundar notes that "sometimes decisions come up and people have to give up things. I overindex [pay a lot of attention to] on those signals when people give something up. Also when someone is excited because something else is working well in the company. It isn't related to them but they are excited. I watch for that. Like when you see a player on the bench cheering for someone else on the team p117-18

I’ve tackled many challenges in my lifetime. The most satisfying ones were food related. Like the 2-pound burger at Fuddruckers that I had to devour in 15 minutes. Shattered it in 5 minutes and 46 seconds! Or the Blazing Challenge at Buffalo Wild Wings: eat 12 blazing wings in 5 minutes. Killed it in 57 seconds! Quaker Steak and Lube’s all-you-can- eat wings in one sitting? I may still hold the record in Madison, Wisconsin, for scarfing down 78. I’ll never forget when 6 linemen and I went to a sushi restaurant during the time of the 2011 Rose Bowl in Pasadena. We didn’t exactly take on an eating challenge, but we did get kicked out of the place when the owner ordered, “Go home now. You’ve eaten eight hundred dollars’ worth of sushi.

Although 'debtor's prison' is illegal in all states, many states use the threat of probation or parole revocation as a debt-collection tool. In fact, in some jurisdictions, individuals may 'choose' to go to jail as a way to reduce their debt burdens, a practice that has been challenged as unconstitutional. Adding to the insanity, many states suspend driving privileges for missed debt payments, a practice that often causes people to lose employment (if they had it) and creates yet another opportunity for jail time: driving with a suspended license. In this regime, many people are thrown back in prison simply because they have been unable - with no place to live, and no decent job - to pay back thousands of dollars of prison-related fees, fines, and child support.

After World War II, the United States, triumphant abroad and undamaged at home, saw a door wide open for world supremacy. Only the thing called ‘communism’ stood in the way, politically, militarily, economically, and ideologically. Thus it was that the entire US foreign policy establishment was mobilized to confront this ‘enemy’, and the Marshall Plan was an integral part of this campaign. How could it be otherwise? Anti-communism had been the principal pillar of US foreign policy from the Russian Revolution up to World War II, pausing for the war until the closing months of the Pacific campaign when Washington put challenging communism ahead of fighting the Japanese. Even the dropping of the atom bomb on Japan – when the Japanese had already been defeated – can be seen as more a warning to the Soviets than a military action against the Japanese.19 After the war, anti-communism continued as the leitmotif of American foreign policy as naturally as if World War II and the alliance with the Soviet Union had not happened. Along with the CIA, the Rockefeller and Ford Foundations, the Council on Foreign Relations, certain corporations, and a few other private institutions, the Marshall Plan was one more arrow in the quiver of those striving to remake Europe to suit Washington’s desires: 1.    Spreading the capitalist gospel – to counter strong postwar tendencies toward socialism. 2.    Opening markets to provide new customers for US corporations – a major reason for helping to rebuild the European economies; e.g. a billion dollars (at twenty-first-century prices) of tobacco, spurred by US tobacco interests. 3.    Pushing for the creation of the Common Market (the future European Union) and NATO as integral parts of the West European bulwark against the alleged Soviet threat. 4.    Suppressing the left all over Western Europe, most notably sabotaging the Communist parties in France and Italy in their bids for legal, non-violent, electoral victory. Marshall Plan funds were secretly siphoned off to finance this endeavor, and the promise of aid to a country, or the threat of its cutoff, was used as a bullying club; indeed, France and Italy would certainly have been exempted from receiving aid if they had not gone along with the plots to exclude the Communists from any kind of influential role.

It is also a message to Congress and the presidency—slowly the American people may be realizing that after almost four decades of the war on drugs, dependency levels and usage are higher than ever before; that the prices of all major recreational drugs have been declining resolutely over that period; and that the state has wasted hundreds of billions of dollars in a criminal justice system that delivers a lot of crime but very little justice. The funds used to sustain bureaucracies such as the DEA that prosecute the war on drugs are a drop in the ocean when compared with the gazillions that organized crime syndicates have earned because Washington is determined to drive the market underground. The social and criminal problems related to drug abuse will never go away until the state can exercise control over the industry as a whole.

Star Wars was a total piece of shit that had spawned billions of dollars in merchandise and sequels and books and games and pajama bottoms. It was an infinite reservoir, it was an endless void. It was responsible for a cornucopia of made up words like Jedi, the Force and lightsaber. A lightsaber was a sword made of light. A sword was a weapon used to murder people. A Jedi was a knight who believed in an idea of relative good and performed supernatural feats using the Force. A Jedi used supernatural feats and his lightsaber to murder people with opposing ideas of relative good. The Force was an ill-explained mystical energy which ran throughout the fictional universe of Star Wars. It was a device which allowed characters to perform supernatural feats whenever a lull was created by poor writing in the screenplay. As might be imagined, the Force was used with great frequency.

But scamming large amounts of money off the top seems even harder to catch. Fraud by American defense contractors is estimated at around $100 billion per year, and they are relatively well behaved compared to the financial industry. The FBI reports that since the economic recession of 2008, securities and commodities fraud in the United States has gone up by more than 50 percent. In the decade prior, almost 90 percent of corporate fraud cases—insider trading, kickbacks and bribes, false accounting—implicated the company’s chief executive officer and/or chief financial officer. The recession, which was triggered by illegal and unwise banking practices, cost American shareholders several trillion dollars in stock value losses and is thought to have set the American economy back by a decade and a half. Total costs for the recession have been estimated to be as high as $14 trillion—or about $45,000 per citizen.

For the laborers as such, there is in these new captains of industry neither love nor hate, neither sympathy nor romance; it is a cold question of dollars and dividends. Under such a system all labor is bound to suffer. Even the white laborers are not yet intelligent, thrifty, and well trained enough to maintain themselves against the powerful inroads of organized capital. The results among them, even, are long hours of toil, low wages, child labor, and lack of protection against usury and cheating. But among the black laborers all this is aggravated, first, by a race prejudice which varies from a doubt and distrust among the best element of whites to a frenzied hatred among the worst; and, secondly, it is aggravated, as I have said before, by the wretched economic heritage of the freedmen from slavery. With this training it is difficult for the freedman to learn to grasp the opportunities already opened to him, and the new opportunities are seldom given him, but go by favor to the whites.

In other words, money isn’t a material reality – it is a psychological construct. It works by converting matter into mind. But why does it succeed? Why should anyone be willing to exchange a fertile rice paddy for a handful of useless cowry shells? Why are you willing to flip hamburgers, sell health insurance or babysit three obnoxious brats when all you get for your exertions is a few pieces of coloured paper? People are willing to do such things when they trust the figments of their collective imagination. Trust is the raw material from which all types of money are minted. When a wealthy farmer sold his possessions for a sack of cowry shells and travelled with them to another province, he trusted that upon reaching his destination other people would be willing to sell him rice, houses and fields in exchange for the shells. Money is accordingly a system of mutual trust, and not just any system of mutual trust: money is the most universal and most efficient system of mutual trust ever devised. What created this trust was a very complex and long-term network of political, social and economic relations. Why do I believe in the cowry shell or gold coin or dollar bill? Because my neighbours believe in them. And my neighbours believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes. Take a dollar bill and look at it carefully. You will see that it is simply a colourful piece of paper with the signature of the US secretary of the treasury on one side, and the slogan ‘In God We Trust’ on the other. We accept the dollar in payment, because we trust in God and the US secretary of the treasury. The crucial role of trust explains why our financial systems are so tightly bound up with our political, social and ideological systems, why financial crises are often triggered by political developments, and why the stock market can rise or fall depending on the way traders feel on a particular morning.

Since I saw them pictures a while back on the front page of The New York Times of that police dog in Birmingham biting a young black student in the stomach, I have ceased to like white folks," said Simple. "As bad as Birmingham is," I said, "surely you do not blame white people in New York or Detroit or San Francisco for that Alabama dog." "I do," said Simple, "because white folks is in the majority every-where. They control the government in Washington, and if they let such doings go on in this American country, such as has been going on in Alabama and Mississippi, I blame them all. If white folks was bit by police dogs and prodded with electric rods, you can bet your bottom dollar something would be done about it—and quick—before you could say Jackie Robinson." "You are no doubt right," I said, "but as long as they themselves are not bitten by dogs and prodded by electric rods and denied the right to march or to vote, most white folks in the North will do very little to help Southern Negroes." "And I will do very little toward loving them," said Simple.

ten thousand talents. It is hard to estimate exactly what that was worth, and it may in fact only mean the largest debt conceivable, “ten thousand” being one of the largest common numbers and a “talent” being the largest denomination of currency. However, if we do estimate it in dollars, we derive some interesting results. A talent was seventy-five pounds, so ten thousand talents would be 750,000 pounds. We do not know whether they were talents of gold or silver. But since Jesus is trying to exaggerate the contrast between this great debt and the relatively small debt of verse 28, we may suppose that He was thinking of the greater of the two talents, namely, gold. In troy weight there are twelve ounces to a pound. So we are now dealing with 750,000 times 12, or 9 million ounces of gold. Assuming that gold is selling at about $400 an ounce, we come to a figure of $3,600 million (three trillion six hundred million dollars). That is beyond our comprehension, which is precisely Christ’s point. It is an astronomical debt, entirely beyond this servant’s or anybody else’s capacity to pay.

In every generation, the embrace of Calvinism by a faction of students and faculty placed schools and administrators in a difficult position. Since the 1920s, Calvinism had acquired a reputation among fundamentalist institutions of higher education as both compelling and disruptive. Calvinists often demanded greater theological consistency than school leaders wanted to endorse. And they sometimes disparaged important elements of American evangelicalism, including the emotional revivalism and dispensational Bible-reading methods beloved by so many evangelicals. In addition, school administrators remained painfully aware of the fact that their interdenominational schools needed to remain friendly to a relatively wide variety of denominational backgrounds. The big tent of American evangelicalism often included groups that considered Calvinism a foreign imposition. As in all things, school administrators balked at the idea of embracing any idea that would drive away students and their tuition dollars. In effect, Calvinism served as a perennial reminder of the unresolvable tension in fundamentalist and evangelical institutions between the demands of theological purity, interdenominational viability, and institutional pragmatism.

A display cake read JUNETEENTH! in red frosting, surrounded by red, white, and blue stars and fireworks. A flyer taped to the counter above it encouraged patrons to consider ordering a Juneteenth cake early: We all know about the Fourth of July! the flyer said. But why not start celebrating freedom a few weeks early and observe the anniversary of the Emancipation Proclamation! Say it with cake! One of the two young women behind the bakery counter was Black, but I could guess the bakery's owner wasn't. The neighborhood, the prices, the twee acoustic music drifting out of sleek speakers: I knew all of the song's words, but everything about the space said who it was for. My memories of celebrating Juneteenth in DC were my parents taking me to someone's backyard BBQ, eating banana pudding and peach cobbler and strawberry cake made with Jell-O mix; at not one of them had I seen a seventy-five-dollar bakery cake that could be carved into the shape of a designer handbag for an additional fee. The flyer's sales pitch--so much hanging on that We all know--was targeted not to the people who'd celebrated Juneteenth all along but to office managers who'd feel hectored into not missing a Black holiday or who just wanted an excuse for miscellaneous dessert.

Adjusting the public record in the West was certainly more complicated than it was at home, and vastly more expensive. Tony Blair guarded the financial details of his consultancy work as jealously as Nazarbayev guarded the details of his kickbacks, but the three-term prime minister’s services were said to cost Kazakhstan $13 million a year. Blair understood when to use light, when darkness. Back in 2006, investigators from the Serious Fraud Office chasing down bribery related to the sale of British fighter jets to Saudi Arabia had tried to inspect the middlemen’s Swiss accounts. The House of Saud had sent word that such interference in their affairs would cause them to cancel the next multibillion-dollar batch of planes from BAE Systems, formerly British Aerospace. Blair’s government halted the SFO investigation, on the grounds of Saudi Arabia’s invaluable assistance in heading off attacks by adherents of the jihadism the kingdom itself sponsored. For Sir Dick Evans, a lifelong arms dealer who had risen to the chairmanship of BAE and been questioned by the SFO’s bribery investigators as they homed in on their targets, this represented a bullet dodged at the last second. His next profitable course would lead to Kazakhstan, to set up an airline, Astana Air.

How do you commit the perfect crime in science? We’re handicapped from the start because it’s a question we never ask. For more than thirty years, Frank taught me and many others to record our data accurately, compare them with collaborators around the world, discard the outliers, and come to a consensus. We understand there are variations, but if the bulk of the evidence goes in a certain direction, we are confident we have a better understanding of human biological processes. If only that were what happened in the real world. In the real world there are corporations, be they pharmaceutical, agricultural, petroleum, or chemical companies, that have billions of dollars at stake in the work of scientists. If one has billions of dollars, he can use the dark arts of persuasion to hire public relations firms to tout your products, sow the seeds of doubt about those who question your products, buy advertising on news networks so they don’t publicize negative stories unless they have no other choice, and donate to politicians of all ideologies. Then, once those politicians have been elected, they can write laws for the benefit of their generous donors. As it was put so eloquently in the seventeenth century by a prominent member of Queen Elizabeth’s court, “If it prospers, none dare call it treason.

BEYOND THE GAME In 2007 some of the Colorado Rockies’ best action took place off the field. The Rocks certainly boasted some game-related highlights in ’07: There was rookie shortstop Troy Tulowitzki turning the major league’s thirteenth unassisted triple play on April 29, and the team as a whole made an amazing late-season push to reach the playoffs. Colorado won 13 of its final 14 games to force a one-game wild card tiebreaker with San Diego, winning that game 9–8 after scoring three runs in the bottom of the thirteenth inning. Marching into the postseason, the Rockies won their first-ever playoff series, steamrolling the Phillies three games to none. But away from the cheering crowds and television cameras, Rockies players turned in a classic performance just ahead of their National League Division Series sweep. They voted to include Amanda Coolbaugh and her two young sons in Colorado’s postseason financial take. Who was Amanda Coolbaugh? She was the widow of former big-leaguer Mike Coolbaugh, a coach in the Rockies’ minor league organization who was killed by a screaming line drive while coaching first base on July 22. Colorado players voted a full playoff share—potentially worth hundreds of thousands of dollars—to the grieving young family. Widows and orphans hold a special place in God’s heart, too. Several times in the Old Testament, God reminded the ancient Jews of His concern for the powerless—and urged His people to follow suit: “Learn to do right; seek justice. Defend the oppressed. Take up the cause of the fatherless; plead the case of the widow” (Isaiah 1:17). Some things go way beyond the game of baseball. Will you?

It is easy to put down Frances Trollope as a Tory embittered by her American business failure. But her observations on American manners, confirmed by many other observers foreign and domestic, actually provide a sharply drawn picture of daily life in the young republic. Most observers at the time agreed with her in finding Americans obsessively preoccupied with earning a living and relatively uninterested in leisure activities. Not only Tories but reformers like Martineau and Charles Dickens angered their hosts by complaining of the overwhelmingly commercial tone of American life, the worship of the 'almighty dollar.' Americans pursued success so avidly they seldom paused to smell the flowers. A kind of raw egotism, unsoftened by sociability, expressed itself in boastful men, demanding women, and loud children. The amiable arts of conversation and cooking were not well cultivated, foreigners complained; Tocqueville found American cuisine 'the infancy of the art' and declared one New York dinner he attended 'complete barbarism.' Despite their relatively broad distribution of prosperity, Americans seemed strangely restless; visitors interpreted the popularity of the rocking chair as one symptom of this restlessness. Another symptom, even more emphatically deplored, was the habit, widespread among males, of chewing tobacco and spitting on the floor. Women found their long dresses caught the spittle, which encouraged them to avoid male company at social events. Chewing tobacco thus reinforced the tendency toward social segregation of the sexes, with each gender talking among themselves about their occupations, the men, business and politics; the women, homemaking and children.

She could envision Shakespeare's sister. But she imagined a violent, an apocalyptic end for Shakespeare's sister, whereas I know that isn't what happened. You see, it isn't necessary. I know that lots of Chinese women, given in marriage to men they abhorred and lives they despised, killed themselves by throwing themselves down the family well. I'm not saying it doesn't happen. I'm only saying that isn't what usually happens. It it were, we wouldn't be having a population problem. And there are so much easier ways to destroy a woman. You don't have to rape or kill her; you don't even have to beat her. You can just marry her. You don't even have to do that. You can just let her work in your office for thirty-five dollars a week. Shakespeare's sister did...follow her brother to London, but she never got there. She was raped the first night out, and bleeding and inwardly wounded, she stumbled for shelter into the next village she found. Realizing before too long that she was pregnant, she sought a way to keep herself and her child safe. She found some guy with the hots for her, realized he was credulous, and screwed him. When she announced her pregnancy to him, a couple months later, he dutifully married her. The child, born a bit early, makes him suspicious: they fight, he beats her, but in the end he submits. Because there is something in the situation that pleases him: he has all the comforts of home including something Mother didn't provide, and if he has to put up with a screaming kid he isn't sure is his, he feels now like one of the boys down at the village pub, none of whom is sure they are the children of the fathers or the fathers of their children. But Shakespeare's sister has learned the lesson all women learn: men are the ultimate enemy. At the same time she knows she cannot get along in the world without one. So she uses her genius, the genius she might have used to make plays and poems with, in speaking, not writing. She handles the man with language: she carps, cajoles, teases, seduces, calculates, and controls this creature to whom God saw fit to give power over her, this hulking idiot whom she despises because he is dense and fears because he can do her harm. So much for the natural relation between the sexes. But you see, he doesn't have to beat her much, he surely doesn't have to kill her: if he did, he'd lose his maidservant. The pounds and pence by themselves are a great weapon. They matter to men, of course, but they matter more to women, although their labor is generally unpaid. Because women, even unmarried ones, are required to do the same kind of labor regardless of their training or inclinations, and they can't get away from it without those glittering pounds and pence. Years spent scraping shit out of diapers with a kitchen knife, finding places where string beans are two cents less a pound, intelligence in figuring the most efficient, least time-consuming way to iron men's white shirts or to wash and wax the kitchen floor or take care of the house and kids and work at the same time and save money, hiding it from the boozer so the kid can go to college -- these not only take energy and courage and mind, but they may constitute the very essence of a life. They may, you say wearily, but who's interested?...Truthfully, I hate these grimy details as much as you do....They are always there in the back ground, like Time's winged chariot. But grimy details are not in the background of the lives of most women; they are the entire surface.

The traditional reluctance in this country to confront the real nature of racism is once again illustrated by the manner in which the majority of American whites interpreted what the Kerner Commission had to say about white racism. It seems that they have taken the Kerner Report as a call merely to examine their individual attitudes. The examination of individual attitudes is, of course, an indispensable requirement if the influence of racism is to be neutralized, but it is neither the only nor the basic requirement. The Kerner Report took great pains to make a distinction between racist attitudes and racist behavior. In doing so, it was trying to point out that the fundamental problem lies in the racist behavior of American institutions toward Negroes, and that the behavior of these institutions is influenced more by overt racist actions of people than by their private attitudes. If so, then the basic requirement is for white Americans, while not ignoring the necessity for a revision of their private beliefs, to concentrate on actions that can lead to the ultimate democratization of American institutions. By focusing upon private attitudes alone, white Americans may come to rely on token individual gestures as a way of absolving themselves personally of racism, while ignoring the work that needs to be done within public institutions to eradicate social and economic problems and redistribute wealth and opportunity. I mean by this that there are many whites sitting around in drawing rooms and board rooms discussing their consciences and even donating a few dollars to honor the memory of Dr. King. But they are not prepared to fight politically for the kind of liberal Congress the country needs to eradicate some of the evils of racism, or for the massive programs needed for the social and economic reconstruction of the black and white poor, or for a revision of the tax structure whereby the real burden will be lifted from the shoulders of those who don't have it and placed on the shoulders of those who can afford it. Our time offers enough evidence to show that racism and intolerance are not unique American phenomena. The relationship between the upper and lower classes in India is in some ways more brutal than the operation of racism in America. And in Nigeria black tribes have recently been killing other black tribes in behalf of social and political privilege. But it is the nature of the society which determines whether such conflicts will last, whether racism and intolerance will remain as proper issues to be socially and politically organized. If the society is a just society, if it is one which places a premium on social justice and human rights, then racism and intolerance cannot survive —will, at least, be reduced to a minimum. While working with the NAACP some years ago to integrate the University of Texas, I was assailed with a battery of arguments as to why Negroes should not be let in. They would be raping white girls as soon as they came in; they were dirty and did not wash; they were dumb and could not learn; they were uncouth and ate with their fingers. These attitudes were not destroyed because the NAACP psychoanalyzed white students or held seminars to teach them about black people. They were destroyed because Thurgood Marshall got the Supreme Court to rule against and destroy the institution of segregated education. At that point, the private views of white students became irrelevant. So while there can be no argument that progress depends both on the revision of private attitudes and a change in institutions, the onus must be placed on institutional change. If the institutions of this society are altered to work for black people, to respond to their needs and legitimate aspirations, then it will ultimately be a matter of supreme indifference to them whether white people like them, or what white people whisper about them in the privacy of their drawing rooms.

The first cut at the problem—the simplest but still eye-opening—is to ask how much income would have to be transferred from rich countries to poor countries to lift all of the world’s extreme poor to an income level sufficient to meet basic needs. Martin Ravallion and his colleagues on the World Bank’s poverty team have gathered data to address this question, at least approximately. The World Bank estimates that meeting basic needs requires $1.08 per day per person, measured in 1993 purchasing-power adjusted prices. Using household surveys, the Ravallion team has calculated the numbers of poor people around the world who live below that threshold, and the average incomes of those poor. According to the Bank’s estimates, 1.1 billion people lived below the $1.08 level as of 2001, with an average income of $0.77 per day, or $281 per year. More important, the poor had a shortfall relative to basic needs of $0.31 per day ($1.08 minus $0.77), or $113 per year. Worldwide, the total income shortfall of the poor in 2001 was therefore $113 per year per person multiplied by 1.1 billion people, or $124 billion. Using the same accounting units (1993 purchasing power adjusted U.S. dollars), the income of the twenty-two donor countries of the Development Assistance Committee (DAC) in 2001 was $20.2 trillion. Thus a transfer of 0.6 percent of donor income, amounting to $124 billion, would in theory raise all 1.1 billion of the world’s extreme poor to the basic-needs level. Notably, this transfer could be accomplished within the 0.7 percent of the GNP target of the donor countries. That transfer would not have been possible in 1980, when the numbers of the extreme poor were larger (1.5 billion) and the incomes of the rich countries considerably smaller. Back in 1981, the total income gap was around $208 billion (again, measured in 1993 purchasing power prices) and the combined donor country GNP was $13.2 trillion. Then it would have required 1.6 percent of donor income in transfers to raise the extreme poor to the basic-needs level.

It occurred to me, not for the first time, how much simpler our lives would be if we could date each other. That delousing kit cost eleven dollars! “Do you ever think it would be easier if we could go out with girls?” I said aloud. Svetlana didn’t answer right away. “I find most of the lesbians I know a bit intimidating,” she said, finally. “And I don’t really share their aesthetic sense—or they seem not to value aesthetics that much. I just don’t think I’d fit in. Especially since I’m always lusting after boys.” That was something I thought about, too: the physical response I felt to Ivan, the dull electric jolt, some heavy, slow machinery starting to turn in my chest and between my legs. I had never felt those things with relation to a girl. On the other hand, I usually hadn’t felt them in Ivan’s presence, either; it was more when he wasn’t there. And how much was that physical feeling worth? Was it really enough to counterbalance all the disadvantages? You couldn’t just talk to Ivan like he was a normal person; he didn’t hear, or he didn’t understand, or he went off somewhere and you couldn’t find him. Also, all his friends thought I was crazy. Instead of dealing with those people, how much more fun and relaxing it would be to pet Svetlana’s shining golden hair, to tell her how pretty she was and to watch her get more pretty, as she always did when someone complimented her. Her body wanted to be complimented, and I knew just what to tell her, so why couldn’t I? “But girls are more beautiful, and so much easier to sort of negotiate with. And the lust for boys never seems to work out well for me. So it just feels like girls are at least something to think about.” Again, Svetlana didn’t answer right away. “I would feel squeamish with anything beyond kissing and playing with each other’s breasts,” she said after a moment. I realized that I, too, had only been thinking about kissing and playing with each other’s breasts. What else did lesbians even do? Other than oral sex, which was apparently horrible. The way people talked about it on sit-coms: “Does he like . . . deep-sea diving?” You had to be altruistic to do it—a generous lover. That said, oral sex with a boy also seemed likely to be disgusting. Guys themselves seemed to think so. Wasn’t that why they went around yelling “cocksucker” at people who cut them off in traffic? “Do you not feel squeamish when you think about sex with a guy?” I asked. “I do, but it feels exciting. The idea of being penetrated and dominated.

Obama is also directing the U.S. government to invest billions of dollars in solar and wind energy. In addition, he is using bailout leverage to compel the Detroit auto companies to build small, “green” cars, even though no one in the government has investigated whether consumers are interested in buying small, “green” cars—the Obama administration just believes they should. All these measures, Obama recognizes, are expensive. The cap and trade legislation is estimated to impose an $850 billion burden on the private sector; together with other related measures, the environmental tab will exceed $1 trillion. This would undoubtedly impose a significant financial burden on an already-stressed economy. These measures are billed as necessary to combat global warming. Yet no one really knows if the globe is warming significantly or not, and no one really knows if human beings are the cause of the warming or not. For years people went along with Al Gore’s claim that “the earth has a fever,” a claim illustrated by misleading images of glaciers disappearing, oceans swelling, famines arising, and skies darkening. Apocalypse now! Now we know that the main body of data that provided the basis for these claims appears to have been faked. The Climategate scandal showed that scientists associated with the Intergovernmental Panel on Climate Change were quite willing to manipulate and even suppress data that did not conform to their ideological commitment to global warming.3 The fakers insist that even if you discount the fakery, the data still show.... But who’s in the mood to listen to them now? Independent scientists who have reviewed the facts say that average global temperatures have risen by around 1.3 degrees Fahrenheit in the past 100 years. Lots of things could have caused that. Besides, if you project further back, the record shows quite a bit of variation: periods of warming, followed by periods of cooling. There was a Medieval Warm Period around 1000 A.D., and a Little Ice Age that occurred several hundred years later. In the past century, the earth warmed slightly from 1900 to 1940, then cooled slightly until the late 1970s, and has resumed warming slightly since then. How about in the past decade or so? Well, if you count from 1998, the earth has cooled in the past dozen years. But the statistic is misleading, since 1998 was an especially hot year. If you count from 1999, the earth has warmed in the intervening period. This statistic is equally misleading, because 1999 was a cool year. This doesn’t mean that temperature change is in the eye of the beholder. It means, in the words of Roy Spencer, former senior scientist for climate studies at NASA, that “all this temperature variability on a wide range of time scales reveals that just about the only thing constant in climate is change.”4

In the 1860s, during its civil war, the US suspended gold convertibility and printed paper money (known as “greenbacks”) to help monetize war debts. Around the time the US returned to its gold peg in the mid-1870s, a number of other countries joined the gold standard; most currencies remained fixed against it until World War I. Major exceptions were Japan (which was on a silver-linked standard until the 1890s, which led its exchange rate to devalue against gold as silver prices fell during this period) and Spain, which frequently suspended convertibility to support large fiscal deficits. During World War I, warring countries ran enormous deficits that were funded by central banks’ printing and lending of money. Gold served as money in foreign transactions, as international trust (and hence credit) was lacking. When the war ended, a new monetary order was created with gold and the winning countries’ currencies, which were tied to gold. Still, between 1919 and 1922 several European countries, especially those that lost the war, were forced to print and devalue their currencies. The German mark and German mark debt sank between 1920 and 1923. Some of the winners of the war also had debts that had to be devalued to create a new start. With debt, domestic political, and international geopolitical restructurings done, the 1920s boomed, particularly in the US, inflating a debt bubble. The debt bubble burst in 1929, requiring central banks to print money and devalue it throughout the 1930s. More money printing and more money devaluations were required during World War II to fund military spending. In 1944–45, as the war ended, a new monetary system that linked the dollar to gold and other currencies to the dollar was created. The currencies and debts of Germany, Japan, and Italy, as well as those of China and a number of other countries, were quickly and totally destroyed, while those of most winners of the war were slowly but still substantially depreciated. This monetary system stayed in place until the late 1960s. In 1968–73 (most importantly in 1971), excessive spending and debt creation (especially by the US) required breaking the dollar’s link to gold because the claims on gold that were being turned in were far greater than the amount of gold available to redeem them. That led to a dollar-based fiat monetary system, which allowed the big increase in dollar-denominated money and credit that fueled the inflation of the 1970s and led to the debt crisis of the 1980s. Since 2000, the value of money has fallen in relation to the value of gold due to money and credit creation and because interest rates have been low in relation to inflation rates. Because the monetary system has been free-floating, it hasn’t experienced the abrupt breaks it did in the past; the devaluation has been more gradual and continuous. Low, and in some cases negative, interest rates have not provided compensation for the increasing amount of money and credit and the resulting (albeit low) inflation.

To see how we separate, we first have to examine how we get together. Friendships begin with interest. We talk to someone. They say something interesting and we have a conversation about it. However, common interests don’t create lasting bonds. Otherwise, we would become friends with everyone with whom we had a good conversation. Similar interests as a basis for friendship doesn’t explain why we become friends with people who have completely different interests than we do. In time, we discover common values and ideals. However, friendship through common values and ideals doesn’t explain why atheists and those devout in their faith become friends. Vegans wouldn’t have non-vegan friends. In the real world, we see examples of friendships between people with diametrically opposed views. At the same time, we see cliques form in churches and small organizations dedicated to a particular cause, and it’s not uncommon to have cliques inside a particular belief system dislike each other. So how do people bond if common interests and common values don’t seem to be the catalyst for lasting friendships? I find that people build lasting connections through common problems and people grow apart when their problems no longer coincide. This is why couples especially those with children tend to lose their single friends. Their primary problems have become vastly different. The married person’s problems revolve around family and children. The single person’s problem revolves around relationships with others and themselves. When the single person talks about their latest dating disaster, the married person is thinking I’ve already solved this problem. When the married person talks about finding good daycare, the single person is thinking how boring the problems of married life can be. Eventually marrieds and singles lose their connection because they don’t have common problems. I look back at friends I had in junior high and high school. We didn’t become friends because of long nights playing D&D. That came later. We were all loners and outcasts in our own way. We had one shared problem that bound us together: how to make friends and relate to others while feeling so “different”. That was the problem that made us friends. Over the years as we found our own answers and went to different problems, we grew apart. Stick two people with completely different values and belief systems on a deserted island where they have to cooperate to survive. Then stick two people with the same values and interests together at a party. Which pair do you think will form the stronger bond? When I was 20, I was living on my own. I didn’t have many friends who were in college because I couldn’t relate to them. I was worrying about how to pay rent and trying to stretch my last few dollars for food at the end of the month. They were worried about term papers. In my life now, the people I spend the most time with have kids, have careers, are thinking about retirement and are figuring out their changing roles and values as they get older. These are problems that I relate to. We solve them in different ways because our values though compatible aren’t similar. I feel connected hearing about how they’ve chosen to solve those issues in a way that works for them.

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By now, though, it had been a steep learning curve, he was fairly well versed on the basics of how clearing worked: When a customer bought shares in a stock on Robinhood — say, GameStop — at a specific price, the order was first sent to Robinhood's in-house clearing brokerage, who in turn bundled the trade to a market maker for execution. The trade was then brought to a clearinghouse, who oversaw the trade all the way to the settlement. During this time period, the trade itself needed to be 'insured' against anything that might go wrong, such as some sort of systemic collapse or a default by either party — although in reality, in regulated markets, this seemed extremely unlikely. While the customer's money was temporarily put aside, essentially in an untouchable safe, for the two days it took for the clearing agency to verify that both parties were able to provide what they had agreed upon — the brokerage house, Robinhood — had to insure the deal with a deposit; money of its own, separate from the money that the customer had provided, that could be used to guarantee the value of the trade. In financial parlance, this 'collateral' was known as VAR — or value at risk. For a single trade of a simple asset, it would have been relatively easy to know how much the brokerage would need to deposit to insure the situation; the risk of something going wrong would be small, and the total value would be simple to calculate. If GME was trading at $400 a share and a customer wanted ten shares, there was $4000 at risk, plus or minus some nominal amount due to minute vagaries in market fluctuations during the two-day period before settlement. In such a simple situation, Robinhood might be asked to put up $4000 and change — in addition to the $4000 of the customer's buy order, which remained locked in the safe. The deposit requirement calculation grew more complicated as layers were added onto the trading situation. A single trade had low inherent risk; multiplied to millions of trades, the risk profile began to change. The more volatile the stock — in price and/or volume — the riskier a buy or sell became. Of course, the NSCC did not make these calculations by hand; they used sophisticated algorithms to digest the numerous inputs coming in from the trade — type of equity, volume, current volatility, where it fit into a brokerage's portfolio as a whole — and spit out a 'recommendation' of what sort of deposit would protect the trade. And this process was entirely automated; the brokerage house would continually run its trading activity through the federal clearing system and would receive its updated deposit requirements as often as every fifteen minutes while the market was open. Premarket during a trading week, that number would come in at 5:11 a.m. East Coast time, usually right as Jim, in Orlando, was finishing his morning coffee. Robinhood would then have until 10:00 a.m. to satisfy the deposit requirement for the upcoming day of trading — or risk being in default, which could lead to an immediate shutdown of all operations. Usually, the deposit requirement was tied closely to the actual dollars being 'spent' on the trades; a near equal number of buys and sells in a brokerage house's trading profile lowered its overall risk, and though volatility was common, especially in the past half-decade, even a two-day settlement period came with an acceptable level of confidence that nobody would fail to deliver on their trades.

On Mr. Phipps' discovering the place of my concealment, he cocked his gun and aimed at me. I requested him not to shoot and I would give up, upon which he demanded my sword. I delivered it to him, and he brought me to prison. During the time I was pursued, I had many hair breadth escapes, which your time will not permit you to relate. I am here loaded with chains, and willing to suffer the fate that awaits me. I here proceeded to make some inquiries of him after assuring him of the certain death that awaited him, and that concealment would only bring destruction on the innocent as well as guilty, of his own color, if he knew of any extensive or concerted plan. His answer was, I do not. When I questioned him as to the insurrection in North Carolina happening about the same time, he denied any knowledge of it; and when I looked him in the face as though I would search his inmost thoughts, he replied, 'I see sir, you doubt my word; but can you not think the same ideas, and strange appearances about this time in the heaven's might prompt others, as well as myself, to this undertaking.' I now had much conversation with and asked him many questions, having forborne to do so previously, except in the cases noted in parenthesis; but during his statement, I had, unnoticed by him, taken notes as to some particular circumstances, and having the advantage of his statement before me in writing, on the evening of the third day that I had been with him, I began a cross examination, and found his statement corroborated by every circumstance coming within my own knowledge or the confessions of others whom had been either killed or executed, and whom he had not seen nor had any knowledge since 22d of August last, he expressed himself fully satisfied as to the impracticability of his attempt. It has been said he was ignorant and cowardly, and that his object was to murder and rob for the purpose of obtaining money to make his escape. It is notorious, that he was never known to have a dollar in his life; to swear an oath, or drink a drop of spirits. As to his ignorance, he certainly never had the advantages of education, but he can read and write, (it was taught him by his parents,) and for natural intelligence and quickness of apprehension, is surpassed by few men I have ever seen. As to his being a coward, his reason as given for not resisting Mr. Phipps, shews the decision of his character. When he saw Mr. Phipps present his gun, he said he knew it was impossible for him to escape as the woods were full of men; he therefore thought it was better to surrender, and trust to fortune for his escape. He is a complete fanatic, or plays his part most admirably. On other subjects he possesses an uncommon share of intelligence, with a mind capable of attaining any thing; but warped and perverted by the influence of early impressions. He is below the ordinary stature, though strong and active, having the true negro face, every feature of which is strongly marked. I shall not attempt to describe the effect of his narrative, as told and commented on by himself, in the condemned hole of the prison. The calm, deliberate composure with which he spoke of his late deeds and intentions, the expression of his fiend-like face when excited by enthusiasm, still bearing the stains of the blood of helpless innocence about him; clothed with rags and covered with chains; yet daring to raise his manacled hands to heaven, with a spirit soaring above the attributes of man; I looked on him and my blood curdled in my veins.

The Western medical model — and I don't mean the science of it, I mean the practice of it, because the science is completely at odds with the practice — makes two devastating separations. First of all we separate the mind from the body, we separate the emotions from the physiology. So we don't see how the physiology of people reflects their lifelong emotional experience. So we separate the mind from the body, which is not something that traditional medicine has done, I mean, Ayuverdic or Chinese medicine or shamanic tribal cultures and medicinal practices throughout the world have always recognized that mind and body are inseparable. They intuitively knew it. Many Western practitioners have known this and even taught it, but in practice we ignore it. And then we separate the individual from the environment. The studies are clear, for example, that when people are emotionally isolated they tend to get sick more quickly and they succumb more rapidly to their disease. Why? Because people's physiology is completely related to their psychological, social environment and when people are isolated and alone their stress levels are much higher because there's nothing there to help them moderate their stress. And physiologically it is straightforward, you know, it takes a five-year-old kid to understand it. However because in practice we separate them... when somebody shows up with an inflamed joint, all we do is we give them an anti-inflammatory or because the immune system is hyperactive and is attacking them we give them a medication to suppress their immune system or we give them a stress hormone like cortisol or one of its analogues, to suppress the inflammation. But we never ask: "What does this manifest about your life?", "What does this say about your relationships?", "How stressful is your job?", "To what extent do you lack control in your life?", "Where are you not authentic?", "How are you trying to work so hard to meet your attachment needs by suppressing yourself?" (because that is what you learn to do as a kid). Then we do all this research that has to do with cell biology, so we keep looking for the cause of cancer in the cell. Now there's a wonderful quote in the New York Times a couple of years ago they did a series on cancer and somebody said: "Looking for the cause of cancer inside the individual cell is like trying to understand a traffic jam by studying the internal combustion engine." We will never understand it, but we spend hundreds of billions of dollars a year looking for the cause of cancer inside the cell, not recognizing that the cell exists in interaction with the environment and that the genes are modulated by the environment, they are turned on and off by the environment. So the impact of not understanding the unity of emotions and physiology on one hand and in the other hand the relationship between the individual and the environment.. in other words.. having a strictly biological model as opposed to what has been called a bio-psycho-social, that recognizes that the biology is important, but it also reflects our psychological and social relationships. And therefore trying to understand the biology in isolation from the psychological and social environment is futile. The result is that we are treating people purely through pharmaceuticals or physical interventions, greatly to the profit of companies that manufacture pharmaceuticals and which fund the research, but it leaves us very much in the dark about a) the causes and b) the treatment, the holistic treatment of most conditions. So that for all our amazing interventions and technological marvels, we are still far short of doing what we could do, were we more mindful of that unity. So the consequences are devastating economically, they are devastating emotionally, they are devastating medically.

sometimes decisions come up and people have to give up things. I overindex on those signals when people give something up.fn3 And also when someone is excited because something else is working well in the company. It isn’t related to them, but they are excited. I watch for that. Like when you see a player on the bench cheering for someone else on the team, like Steph Curry jumping up and down when Kevin Durant hits a big shot. You can’t fake that.”fn4

The size of the disbursements was linked to the number of city or county drug arrests. Each arrest, in theory, would net a given city or county about $153 in state and federal funding. Non-drug-related policing brought no federal dollars, even for violent crime. As a result, when Jackson County, Wisconsin, quadrupled its drug arrests between 1999 and 2000, the county’s federal subsidy quadrupled too.46

whenever activists—especially black activists—challenged discriminatory or abusive policing or questioned state and federal budgets that shifted billions of dollars away from education, public housing, welfare, or drug treatment to brand-new, high-tech prisons, someone would inevitably interrupt the conversation to raise the subject of violent crime—especially “black-on-black crime.” This discursive maneuver was often performed casually in an offhand manner; yet it proved to be a stunningly effective way of refocusing attention on a relatively small number of individuals who cause harm, thus shielding from critique an entire system that inflicts incalculable harm on millions.

Yes! I reminded my buyer this was an off-market deal. She was getting in early, and P.S. her daughter had been searching for an apartment for four years! Wouldn’t she like to see her happily settled? She agreed to come up $250,000 for “a quick sale.” Just like that, the million-mile distance was slashed in half. I know I’m talking about big numbers here, but what you should understand is that I’m making the gap relative. Whether you’re trying to close a million-dollar gap or a $10 one, break it down. I basically asked each side to come up, relatively speaking, $2.50. That doesn’t sound nearly as bad as bridging a million-dollar gap, now does it?

Endiro Giansante, owner of Fawn Street Florists, descended from the store's attic where he was drying pink larkspur to find his new deliveryman, Ludis Lanka, standing near the register holding two ten-dollar bills upright in his hand. "A man came in, you were upstairs, so I took the order," he beamed proudly. "Ludis, you're a nice fellow but you're never to deal with a customer. Unless they're Latvian," he added with a smile, "in which case I'd ask you to translate." By way of confession, Ludis added, "He gave me a two-dollar tip, and reached to his pocket as if he might have to split it with Endiro. "No, keep the two dollars, but you're a delivery boy, not a salesman. Delivery man," he corrected himself, for Ludis was surely in his twenties or early thirties. He'd only been working there a few days, answering a sign in the window. God knows how the sweet fellow would survive on what he paid him, thought Endiro. He must surely live with relatives. "Es biju citur," said Ludis, which means "I was elsewhere." Not quite apropos but it was the first Latvian phrase Cliff had learned at McMasters and he'd been told he'd pronounced it well.

But scamming large amounts of money off the top seems even harder to catch. Fraud by American defense contractors is estimated at around $100 billion per year, and they are relatively well behaved compared to the financial industry. The FBI reports that since the economic recession of 2008, securities and commodities fraud in the United States has gone up by more than 50 percent. In the decade prior, almost 90 percent of corporate fraud cases—insider trading, kickbacks and bribes, false accounting—implicated the company’s chief executive officer and/or chief financial officer. The recession, which was triggered by illegal and unwise banking practices, cost American shareholders several trillion dollars in stock value losses and is thought to have set the American economy back by a decade and a half. Total costs for the recession have been estimated to be as high as $14 trillion—or about $45,000 per citizen. Most tribal and subsistence-level societies would inflict severe punishments on anyone who caused that kind of damage.

Conservative media outlets portrayed climate change as a job-killing hoax hatched by tree-hugging extremists. Big Oil funneled millions of dollars into a web of think tanks and public relations firms committed to obscuring the facts about climate change.

McCall was reelected seven times, that is, until 1972, when Florida Governor Reubin Askew stepped in and suspended him after yet another violent assault on someone in his custody. This time, McCall was indicted for second-degree murder for allegedly kicking a black prisoner to death. The prisoner was in jail for a twenty-six-dollar traffic ticket. McCall was acquitted. But he lost the election that November. Blacks were now able to vote, and they turned out in force to defeat him the first chance they got. “We sent cars out and taxicabs,” Viola Dunham, a longtime resident and a sister-in-law of George Starling, remembered. “We started getting these people out to vote.” Then, too, a new generation of whites had entered the Florida electorate, the younger people who may have identified with the young freedom riders in Mississippi and Alabama even if they would not have participated themselves, and the snowbirds, the white northerners who were buying up vacation homes or retiring to central Florida with the boom that came with the arrival of Disney World and who couldn’t relate to the heavy-handedness of a small-town southern sheriff. And now it seemed that even the most steadfast traditionalists had finally tired of the controversies and felt it was time for him to go. The defeated sheriff retreated to his ranch on Willis V. McCall Road in Eustis, where he tended his citrus grove, welcomed his partisans, and held forth on his decades of lordship over Lake County. He could take comfort in the fact that, for better or for worse, Lake County would not soon forget him, and he took pride in his role of protecting southern tradition.

the Times reported that police departments had an extraordinary incentive to use their new equipment for drug enforcement: the extra federal funding the local police departments received was tied to antidrug policing. The size of the disbursements was linked to the number of city or county drug arrests. Each arrest, in theory, would net a given city or county about $153 in state and federal funding. Non-drug-related policing brought no federal dollars, even for violent crime.

Though it runs to billions of dollars a year, the cost of forcing healthy adults to wear disposable surgical masks will be relatively minor for wealthy countries. And cloth masks are easy to clean in places that have access to clean water. In poor countries the calculus is different. Making people wear cloth masks that cannot be easily cleaned or spend a significant part of their income on disposable ones is much harder to justify if masks don’t work.

Women under 30 who don’t have children have closed the pay gap with their male counterparts. Once women have kids, they go to 77 cents on the dollar relative to their male counterparts. Part of our ability to create the same career trajectory for women with kids is to create more options and flexibility around where they work from. Part of working from home is the ability to work at different hours than the rest of your team, allowing for family needs like caretaking, side gigs, or hobbies that contribute to a work-life balance. It may be time to unroll the yoga mat or dust off the drum set in the garage, instead of spending 225 hours, or 9 full days, a year commuting.

are constantly taking transient experiences, cramming them into prearranged slots, turning discontinuity into continuity, and making solid what is actually fluid. The technical term for what’s happening is reification—giving immaterial experiences “thingness.” So convincing is this transformation that rocks seem solid and heavy when, in fact, your mind reified them—you have created solidity and heaviness in your own awareness. This constitutes another outrageous conclusion to anyone who is out to reinforce and reaffirm the spell/dream/illusion. But you cannot thaw out the “thingness” of the physical world unless you break down the process that created it. I’m hesitant to use any kind of jargon, but we need to delve into how reification works. The dictionary definition of reify is “to make something more concrete or real.” The mental image of money gets reified into a dollar bill, which you can fold up and stick in your wallet. “Parenting” gets reified when you decide to have a baby you can hold in your arms. What’s earthshaking is that virtual reality owes its existence entirely to reification. The web of connections that entangles everything in the spell/dream/ illusion with everything else comes down to the mind, because connections are mind-made. No object is actually a physical thing, pure and simple. “Object” and “thing” and “physical” are strands of a mental web. People find it relatively easy to accept that a piece of paper currency is the reified form of a concept (money), but they balk when they are told that the same is true of body, brain, and universe. The key is to

Now, we live under the tyranny of a New World Order—a world that has been reordered by a small group of wealthy financiers and industrialists centered within secret societies such as the Council on Foreign Relations, the Trilateral Commission, and the Bilderberg group. Also,

Now, we live under the tyranny of a New World Order—a world that has been reordered by a small group of wealthy financiers and industrialists centered within secret societies such as the Council on Foreign Relations, the Trilateral Commission, and the Bilderberg group.

Nick Rockefeller, a participant in the World Economic Forum and a member of the Council on Foreign Relations, may have revealed the agenda of the New World Order in a casual comment. According to the late Hollywood producer Aaron Russo, Rockefeller told him, “The end goal is to get everybody chipped, to control the whole society, to have the bankers and the elite people control the world.

If the anti-vaxxers are conspiracy nuts, which they sure are, so are the politicians, who keep dumping billions and billions of dollars in defense contracts out of sheer primitive insecurity instead of working to organize peace.

during an eye-opening day in Berlin dedicated to sex-related investment opportunities. Bauer had been open about Wirecard’s business, that it processed some porn, but that the bulk of its profits came from gaming. Marques started to short Wirecard stock on the basis that it was lying, heavily involved in gaming, and the US authorities were likely to crack down.

You also only have two friends, and they’re both fake accounts.” “They told me I had funds available in a deceased relative’s account that they would help me retrieve. It sounded promising.” A sharp laugh hits me. “You didn’t even accept my friend request.” “You weren’t offering me two million dollars.

It’s Thanksgiving, and you’ve eaten with porcine abandon. Your bloodstream is teeming with amino acids, fatty acids, glucose. It’s far more than you need to power you over to the couch in a postprandial daze. What does your body do with the excess? This is crucial to understand because, basically, the process gets reversed when you’re later sprinting for your life. To answer this question, it’s time we talked finances, the works—savings accounts, change for a dollar, stocks and bonds, negative amortization of interest rates, shaking coins out of piggy banks—because the process of transporting energy through the body bears some striking similarities to the movement of money. It is rare today for the grotesquely wealthy to walk around with their fortunes in their pockets, or to hoard their wealth as cash stuffed inside mattresses. Instead, surplus wealth is stored elsewhere, in forms more complex than cash: mutual funds, tax-free government bonds, Swiss bank accounts. In the same way, surplus energy is not kept in the body’s form of cash—circulating amino acids, glucose, and fatty acids—but stored in more complex forms. Enzymes in fat cells can combine fatty acids and glycerol to form triglycerides (table). Accumulate enough of these in the fat cells and you grow plump. Meanwhile, your cells can stick series of glucose molecules together. These long chains, sometimes thousands of glucose molecules long, are called glycogen. Most glycogen formation occurs in your muscles and liver. Similarly, enzymes in cells throughout the body can combine long strings of amino acids, forming them into proteins. The hormone that stimulates the transport and storage of these building blocks into target cells is insulin. Insulin is this optimistic hormone that plans for your metabolic future. Eat

As my job taught me a little more about America’s class divide, it also imbued me with a bit of resentment, directed toward both the wealthy and my own kind. The owners of Dillman’s were old-fashioned, so they allowed people with good credit to run grocery tabs, some of which surpassed a thousand dollars. I knew that if any of my relatives walked in and ran up a bill of over a thousand dollars, they’d be asked to pay immediately. I hated the feeling that my boss counted my people as less trustworthy than those who took their groceries home in a Cadillac. But I got over it: One day, I told myself, I’ll have my own damned tab.

Dealing with Rejection Of course, success won’t always be so immediate when you use direct preselling to validate—in fact, you’ll get rejected a whole lot—and this is another instance where the technique shines. That’s because every rejection is an opportunity; you can use it to take a deep dive into customer problems. Remember the Rejection Goals from chapter 2. Rejections are TREASURE. When I get shot down while validating, I have a simple four-question script that flips the no into new knowledge, new ideas, and maybe even new customers. “Why not?” It’s really easy to get scared from attacking this one head-on, because what happens if their criticism is right? But that’s exactly what you want to know! “Who is one person you know who would really like this?” Always, always, always ask for a referral! Be specific about what kind of referral and use a number; this makes it highly effective. “What would make this a no-brainer for you?” If they don’t want your product, maybe they’d want something related to it. If they don’t want to pay for your dog care app, what about dog walking? A dog hotel? Dog dating? “What would you pay for that?” One of the hardest things in a startup is setting prices. Getting potential customers to say what they’d pay is pure gold!

Some Black Americans who were accused of crimes during the Jim Crow era were thrown into work camps while in prison. There they labored decades after slavery had been abolished. People in convict work camps in Atlanta are known to have helped construct buildings that still exist today, like the federal penitentiary and homes in the upscale neighborhood Inman Park. That legacy in Atlanta is tied to a former mayor from the 1880s, James W. English. He owned the Chattahoochee Brick factory, among other businesses, and according to a book by the journalist Douglas Blackmon, English’s companies managed 1,206 of Georgia’s 2,881 convict laborers, who made bricks, among other manual jobs. English’s “great personal wealth was inextricably linked to the enslavement of thousands of men” decades after slavery had been outlawed, Blackmon wrote. In addition to the convict-staffed brick factory, English owned a bank that merged into Wachovia, which is now part of Wells Fargo. From these businesses, his descendants had money and opportunities to build more wealth: a great-grandson, James D. Robinson III, went on to serve for twenty years as the chief executive of American Express, and then he had wealth and connections to help his son, James IV, found a venture capital firm in 1994. That firm, RRE Ventures, became one of the most successful and lucrative venture capital firms in the world. Robinson III referred our question about the era of convict leasing to a relative by marriage, who told us, “It was a black mark, and history is messy.

Here are four examples of Lead Magnets I use: A checklist that can be used to properly perform something I explained in a video. A template for determining, say, a business’s profit margin. An advanced guide that goes further into the details of a subject of one of my videos. A unique book that provides substantial value but is offered for free. For me, it is 11 Side Hustle Ideas to Make $500/Day from Your Phone. The appropriate opt-in incentive depends on your content. Here are other types of examples: A DIY carpenter could offer plans to make a corner table. A marketing YouTuber could offer scripts of what to say on sales phone calls. A landscaping expert might offer recommendations for which kinds of grass to use around the United States. YouTuber Nick True at Mapped Out Money, who makes video tutorials that teach the best practices for using the personal budgeting software YNAB, found that he gets the highest sign-up rates when he offers a checklist that relates to the video. His followers really like having a resource that they can use to put his advice into practice. Jess Dante of Love and London runs a YouTube channel helping viewers plan their trips to London by suggesting lesser-known restaurants and stores to visit. Her superstar opt-in incentive is a free London 101 Guide with everything a first-time visitor needs to know. It’s been downloaded more than 45,000 times. Where you make your call to action will also have an impact on your success building your email list. You can make your call to action in a variety of places or ways inside your videos. One of the best ways is to give a short, relevant tease of the bonus or resource you’re offering within the YouTube video and tell people where they can learn more. CHALLENGE Create a Lead Magnet. It’s time to create your first Lead Magnet using the process we’ve just outlined above. You can use your piece of content from the previous chapter as a base or start something new. Don’t spend more than two hours on the first iteration. If you want to turn it into a big thing later on, great. But start SMALL. Go to MillionDollarWeekend.com to get Lead Magnet templates! (See what I did there?)

High Switching Costs Products that require a significant amount of work to migrate away are said to have high switching costs. High switching costs reduce your churn and create a moat that keeps customers from switching to a competitor simply because that competitor is newer, cheaper, or even builds a better product. Most APIs are difficult to leave because to do so requires expensive developer time to integrate with a new product. Companies like Stripe, Twilio, and SendGrid have a pretty hefty switching cost moat. Tools like Slack are difficult to switch from because of the need to obtain buy-in from every manager in an organization. Also, because of the high number of integrations pushing data, Slack requires effort to recreate. Tools with low switching costs are those in which history is mostly irrelevant, and the time it takes to recreate something you’ve built in the tool is low or nonexistent. For example, a social media scheduling tool is easy to switch from because there is no critical history stored or complex workflows that need to be recreated using a new tool. Likewise, one-click SaaS analytics tools that tie into your Stripe account are relatively easy to switch from because they are “one-click easy” to set up.

Le propriétaire. Dag n’aime pas ce mot. Dans le contexte des relations raciales en Amérique, les rapprochements sont inévitables. Au cours des négociations avec la ligue, on trouve toujours un joueur pour comparer la NBA à « une plantation », et Dag refuse en général de cautionner cette interprétation. Dans les plantations, personne n’a jamais gagné des millions de dollars pour faire la pub d’une marque de baskets. Néanmoins, force est de constater que la classe des propriétaires ressemble à un négatif des joueurs de la ligue. Il sait bien qu’il n’est pas en son pouvoir de balayer des siècles d’inégalités. Mais arracher un contrat max à Jay Gladstone, c’est autre chose. Ça, il sent qu’il en est capable

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The organizational consequence of this highly quantitative image of defense decision-making is an independent and high-level office of systems analysis (or program analysis) reporting directly to the secretary. This office, separated from the parochialism of the individual services, commands, and functional offices of the Defense Department, is charged with de novo analysis of the services' program proposals (and, indeed, with the generation of alternative programs) to assess the relative merits of different potential uses of the same dollars. Its activities culminate in the secretary's decision on a single coherent set of numerically defined programs. This model imposes a requirement for close interaction between the secretary of defense and the principal program analyst. A suitable person for the job is difficult to obtain without granting him or her direct access to the secretary. This model, therefore, requires that the chief program analyst report directly to the secretary and it inevitably limits the program and budget role of the other chief officials of the OSD, especially the principal policy adviser. The model leaves unresolved how the guidance for the analysis process is to be developed and even how choices are to be made. Analysis is not always made rigorous and objective simply by making it quantitative, and not everything relevant can be quantified. At its extreme, it can degenerate into a system in which objectives become important because they can be quantified, rather than quantification being important because it can illuminate objectives.

Rich” ... is the point at which the marginal utility of an additional dollar for personal consumption and investment is effectively zero. I think that this is a good definition for a couple of reasons: One, because people have different preferences, that point comes at very different wealth and income levels for different people, which is why there are so many people of relatively modest means who dedicate some non-trivial portion of their incomes to charity rather than to their own personal desires. Second, it accounts for the fact that while the value of an additional dollar for personal consumption may be zero, the value of deciding for one’s self how any additional dollars are to be disposed of is not zero. That is why there are so many people who work diligently to minimize their tax bills while giving away millions or billions of dollars to charitable ends. The position is not, contra the protestations of our progressive friends, an inconsistent one.

Knowing something about the monetary value and cost of the information in a measurement puts a new light on what is “measurable.” If someone says a measurement would be too expensive, we have to ask, “Compared to what?” If a measurement that would just reduce uncertainty by half costs $50,000 but the EVPI is $5,000,000, then the measurement certainly is not “too expensive.” Indeed, it would be a bargain. But if the information value is zero, then any measurement is too expensive. Some measurements might have marginal information values—say, a few thousand dollars; not enough to justify some formal effort at measurement but a bit too much just to ignore. For those measurements, I try to think of approaches that can quickly reduce a little uncertainty—say, finding a related study or making a few phone calls to a few more experts.

As the producer states gradually forced the major oil companies to share with them more of the profits from oil, increasing quantities of sterling and dollars flowed to the Middle East. To maintain the balance of payments and the viability of the international financial system, Britain and the United States needed a mechanism for these currency flows to be returned. [...] The purchase of most goods, whether consumable materials like food and clothing or more durable items such as cars or industrial machinery, sooner or later reaches a limit where, in practical terms, no more of the commodity can be used and further acquisition is impossible to justify. Given the enormous size of oil revenues, and the relatively small populations and widespread poverty of many of the countries beginning to accumulate them, ordinary goods could not be purchased at a rate that would go far to balance the flow of dollars (and many could be bought from third countries, like Germany and Japan – purchases that would not improve the dollar problem). Weapons, on the other hand, could be purchased to be stored up rather than used, and came with their own forms of justification. Under the appropriate doctrines of security, ever-larger acquisitions could be rationalised on the grounds that they would make the need to use them less likely. Certain weapons, such as US fighter aircraft, were becoming so technically complex by the 1960s that a single item might cost over $10 million, offering a particularly compact vehicle for recycling dollars. Arms, therefore, could be purchased in quantities unlimited by any practical need or capacity to consume. As petrodollars flowed increasingly to the Middle East, the sale of expensive weaponry provided a unique apparatus for recycling those dollars – one that could expand without any normal commercial constraint.

She thrust the pink box she was holding into Mr. Rutherford’s hands before she opened up her reticule and pulled out a fistful of coins. Counting them out very precisely, she stopped counting when she reached three dollars, sixty-two cents. Handing Mr. Rutherford the coins, she then took back the pink box, completely ignoring the scowl Mr. Rutherford was now sending her. “This is not the amount of money I quoted you for the skates, Miss . . . ?” “Miss Griswold,” Permilia supplied as she opened up the box and began rummaging through the thin paper that covered her skates. Mr. Rutherford’s brows drew together. “Surely you’re not related to Mr. George Griswold, are you?” “He’s my father,” Permilia returned before she frowned and lifted out what appeared to be some type of printed form, one that had a small pencil attached to it with a maroon ribbon. “What is this?” Mr. Rutherford returned the frown, looking as if he wanted to discuss something besides the form Permilia was now waving his way, but he finally relented—although he did so with a somewhat heavy sigh. “It’s a survey, and I would be ever so grateful if you and Miss Radcliff would take a few moments to fill it out, returning it after you’re done to a member of my staff, many of whom can be found offering hot chocolate for a mere five cents at a stand we’ve erected by the side of the lake. I’m trying to determine which styles of skates my customers prefer, and after I’m armed with that information, I’ll be better prepared to stock my store next year with the best possible products.” “Far be it from me to point out the obvious, Mr. Rutherford, but one has to wonder about your audacity,” Permilia said. “It’s confounding to me that you’re so successful in business, especially since not only are you overcharging your customers for the skates today, you also expect those very customers to extend you a service by taking time out of their day to fill out a survey for you. And then, to top matters off nicely, instead of extending those customers a free cup of hot chocolate for their time and effort, you’re charging them for that as well.” “I’m a businessman, Miss Griswold—as is your father, if I need remind you. I’m sure he’d understand exactly what my strategy is here today, as well as agree with that strategy.” Permilia stuck her nose into the air. “You may very well be right, Mr. Rutherford, but . . .” She thrust the box back into his hands. “Since I’m unwilling to pay more than I’ve already given you for these skates, I’ll take my money back, if you please.” “Don’t be ridiculous,” Mr. Rutherford said, thrusting the box right back at Permilia. “Now, if the two of you will excuse me, I have other customers to attend to.” With that, he sent Wilhelmina a nod, scowled at Permilia, and strode through the snow back to his cash register.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. Actually, that’s why this Chinese government sends its companies to other countries. And yet, I just said this to explain the relation between value and product. But here’s another. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

it guarantees a minimum annual income to every citizen, on the assumption that there’s no way to calculate a justifiable relation between hours worked and dollars earned.

George Malcolm: half white, half black, with messy tousled hair, rumpled and tugged between kind of curly and extremely curly. Once, a year or so before, he'd been at our house and he'd pulled out a lock of his hair and used it to teach me about eddies and helixes. It's a circular current into a central station, he'd explained, giving me one to hold. I pulled on the spring. Nature is full of the same shapes, he said, taking me to the bathroom sink and spinning on the top and pointing out the way the water swirled down the drain. Taking me to the bookshelf and flipping open a book on weather and showing me a cyclone. Then a spiral galaxy. Pulling me back to the bathroom sink, to my glass jar of collected seashells, and pointing out the same curl in a miniature conch. See? he said, holding the seashell up to his hair. Yes! I clapped. His eyes were warm with teaching pleasure. It's galactic hair, he said, smiling. At school, George was legendary already. He was so natural at physics that one afternoon the eighth-grade science teacher had asked him to do a preview of the basics of relativity, really fast, for the class. George had stood up and done such a fine job, using a paperweight and a yardstick and the standard-issue school clock, that the teacher had pulled a twenty-dollar bill from his wallet. I'd like to be the first person to pay you for your clarity of mind, the teacher had said. George used the cash to order pizza for the class. Double pepperoni, he told me later, when I'd asked.

Who did what again?” The amused voice of Connor Prescott, one of his business partners, only spiked Wes’s displeasure. So much for being alone and being able to vent his frustration. Instead, he lowered his hands and glared at his good friend, who was also directly related to the person Wes was currently annoyed with. He watched as Connor casually sauntered into the office, the dust on his jeans and boots a good indication that he’d just come in from working on a jobsite. “The who is your sister. The what is stealing yet another million-dollar listing right out from under me,” Wes snapped, even more perturbed that Natalie Prescott could push his buttons more than any other woman ever had, and make him rock hard at the same time. Not that she knew what kind of effect she had on his dick, and she never would. Because one, she was his best friend’s little sister and he’d known her most of his life. And two, he’d never give her that kind of leverage or smug satisfaction when they were business adversaries in an indust

We have the money. We've just made choices about how to spend it. Over the years, lawmakers on both sides of the aisle have restricted housing aid to the poor but expanded it to the affluent in the form of tax benefits for homeowners. Today, housing-related tax expenditures far outpace those for housing assistance. In 2008, the year Arleen was evicted from Thirteenth Street, federal expenditures for direct housing assistance totaled less than $40.2 billion, but homeowner tax benefits exceeded $171 billion. That number, $171 billion, was equivalent to the 2008 budgets for the Department of Education, the Department of Veterans Affairs, the Department of Homeland Security, the Department of Justice, and the Department of Agriculture combined. Each year, we spend three times what a universal housing voucher program is estimated to cost (in total) on homeowner benefits, like the mortgage-interest deduction and the capital-gains exclusion. Most federal housing subsidies benefit families with six-figure incomes. If we are going to spend the bulk of our public dollars on the affluent - at least when it comes to housing - we should own up to that decision and stop repeating the politicians' canard about one of the richest countries on the planet being unable to afford doing more. If poverty persists in America, it is not for lack of resources.

Organizations seeking to commercialize open source software realized this, of course, and deliberately incorporated it as part of their market approach. In a 2013 piece on Pando Daily, venture capitalist Danny Rimer quotes then-MySQL CEO Mårten Mickos as saying, “The relational database market is a $9 billion a year market. I want to shrink it to $3 billion and take a third of the market.” While MySQL may not have succeeded in shrinking the market to three billion, it is interesting to note that growing usage of MySQL was concurrent with a declining ability of Oracle to sell new licenses. Which may explain both why Sun valued MySQL at one third of a $3 billion dollar market and why Oracle later acquired Sun and MySQL. The downward price pressure imposed by open source alternatives have become sufficiently visible, in fact, as to begin raising alarm bells among financial analysts. The legacy providers of data management systems have all fallen on hard times over the last year or two, and while many are quick to dismiss legacy vendor revenue shortfalls to macroeconomic issues, we argue that these macroeconomic issues are actually accelerating a technology transition from legacy products to alternative data management systems like Hadoop and NoSQL that typically sell for dimes on the dollar. We believe these macro issues are real, and rather than just causing delays in big deals for the legacy vendors, enterprises are struggling to control costs and are increasingly looking at lower cost solutions as alternatives to traditional products. — Peter Goldmacher Cowen and Company

There are many potential explanations for the less-than-robust performance, but IBM’s current strategy suggests that one component at least is a challenge to the traditional shrink-wrapped software business. As much as any software provider in the industry, IBM’s software business was optimized and built for a traditional enterprise procurement model. This typically involves lengthy evaluations of software, commonly referred to as “bake-offs,” followed by the delivery of a software asset, which is then installed and integrated by some combination of buyer employees, IBM services staff, or third-party consultants. This model, as discussed previously, has increasingly come under assault from open source software, software offered as a pure service or hosted and managed on public cloud infrastructure, or some combination of the two. Following the multi-billion dollar purchase of Softlayer, acquired to beef up IBM’s cloud portfolio, IBM continued to invest heavily in two major cloud-related software projects: OpenStack and Cloud Foundry. The latter, which is what is commonly referred to as a Platform-as-a-Service (PaaS) offering, may give us both an idea of how IBM’s software group is responding to disruption within the traditional software sales cycle and their level of commitment to it. Specifically, IBM’s implementation of Cloud Foundry, a product called Bluemix, makes a growing portion of IBM’s software portfolio available as a consumable service. Rather than negotiate and purchase software on a standalone basis, then, IBM customers are increasingly able to consume the products in a hosted fashion.

Non-drug-related policing brought no federal dollars, even for violent crime. As a result, when Jackson County, Wisconsin, quadrupled its drug arrests between 1999 and 2000, the county’s federal subsidy quadrupled too.

There’s Tom,” Becky says. He’s been tromping around the city half the day, but I don’t see a speck of mud on him. Though he dresses plain, it always seems he rolls out of bed in the morning with his hair and clothes as neat and ordered as his arguments. We walk over to join him, and he acknowledges us with a slight, perfectly controlled nod. He’s one of the college men, three confirmed bachelors who left Illinois College to join our wagon train west. Compared to the other two, Tom Bigler is a bit of a closed book—one of those big books with tiny print you use as a doorstop or for smashing bugs. And he’s been closing up tighter and tighter since we blew up Uncle Hiram’s gold mine, when Tom negotiated with James Henry Hardwick to get us out of that mess. “How goes the hunt for an office?” I ask. “Not good,” Tom says. “I found one place—only one place—and it’s a cellar halfway up the side of one those mountains.” Being from Illinois, which I gather is flat as a griddle, Tom still thinks anything taller than a tree is a mountain. “Maybe eight foot square, no windows and a dirt floor, and they want a thousand dollars a month for it.” “Is it the cost or the lack of windows that bothers you?” He pauses. Sighs. “Believe it or not, that’s a reasonable price. Everything else I’ve found is worse—five thousand a month for the basement of the Ward Hotel, ten thousand a month for a whole house. The land here is more valuable than anything on it, even gold. I’ve never seen so many people trying to cram themselves into such a small area.” “So it’s the lack of windows.” He gives me a side-eyed glance. “I came to California to make a fortune, but it appears a fortune is required just to get started. I may have to take up employment with an existing firm, like this one.” Peering at us more closely, he says, “I thought you were going to acquire the Joyner house? I mean, I’m glad to see you, but it seems things have gone poorly?” “They’ve gone terribly,” Becky says. “They haven’t gone at all,” I add. “They’ll only release it to Mr. Joyner,” Becky says. Tom’s eyebrows rise slightly. “I did mention that this could be a problem, remember?” “Only a slight one,” I say with more hope than conviction. “Without Mr. Joyner’s signature,” Becky explains, “they’ll sell my wedding cottage at auction. Our options are to buy back what’s ours, which I don’t want to do, or sue to recover it, which is why I’ve come to find you.” If I didn’t know Tom so well, I might miss the slight frown turning his lips. He says, “There’s no legal standing to sue. Andrew Junior is of insufficient age, and both his and Mr. Joyner’s closest male relative would be the family patriarch back in Tennessee. You see, it’s a matter of cov—” “Coverture!” says Becky fiercely. “I know. So what can I do?” “There’s always robbery.” I’m glad I’m not drinking anything, because I’m pretty sure I’d spit it over everyone in range. “Tom!” Becky says. “Are you seriously suggesting—?” “I’m merely outlining your full range of options. You don’t want to buy it back. You have no legal standing to sue for it. That leaves stealing it or letting it go.” This is the Tom we’ve started to see recently. A little angry, maybe a little dangerous. I haven’t made up my mind if I like the change or not. “I’m not letting it go,” Becky says. “Just because a bunch of men pass laws so other men who look just like them can legally steal? Doesn’t mean they should get away with it.” We’ve been noticed; some of the men in the office are eyeing us curiously. “How would you go about stealing it back, Tom?” I ask in a low voice, partly to needle him and partly to find out what he really thinks. He glances around, brows knitting. “I suppose I would get a bunch of men who look like me to pass some laws in my favor and then take it back through legal means.” I laugh in spite of myself. “You’re no help at all,” Becky says.

The high taxes and regulatory burdens they favor have the effect of protecting established businesses. To accumulate a fortune requires earning a high rate of profit and continually reinvesting most of it in the business. The greater the tax burden, the harder this process becomes. In the same way that small investments can turn into big gains when compounded over time, even relatively small tax burdens can amount to enormous losses, since they too get compounded over time: the million dollars taxed away from a company today doesn’t just cost it a million dollars, but all the income that million dollars would have generated had the business been free to reinvest it. Regulations, meanwhile, impose substantial compliance costs on a business—costs that an established business with a bull pen of attorneys can more easily meet, but which can stop upstarts in their tracks.

For example, take George McGovern [1972 Presidential candidate who campaigned on an anti-war platform]. George McGovern did not support the invasion of Panama―in fact, about two months afterwards he wrote an Op-Ed piece in the Washington Post saying he had opposed it from the very moment Bush did it. But he also said that he had refrained from saying so at the time. So if he'd been asked about it in a poll, he probably would have answered that he did support the invasion. And the reason is, if you're a red-blooded patriotic American, then when the government is conducting a violent act you're supposed to rally around the flag. That's part of our brainwashing, you know―to have that concept of patriotism drilled into our heads. And people really do feel it, even people like George McGovern, somebody who surely would have been in the 20 percent, but if he'd been polled about it would have voted with the 80 percent. We don't want to be "anti-American," to use the standard term―which in itself is a pretty startling propaganda triumph, actually. Like, go to Italy and try using the word "anti-Italianism," call somebody there "anti-Italian" and just see what happens―they'd crack up in ridicule. But here those totalitarian values really do mean something to people, because there have been very extensive and systematic efforts to control the population in ways like that, and they have been highly successful. I mean, there's a huge public relations industry in the United States, and it doesn't spend billions of dollars a year for nothing, you know. So you really have to be a little bit more careful and nuanced when you interpret these kinds of poll results, in my view.

The Acme Company is a provider of financial services located in Cheyenne, which has been in business for 30 years and has a capitalized market value of $800 million. The Acme buyer knows this! It’s nothing novel or new or related to the project. It’s irrelevant. Here’s an excellent situation statement: The Acme Company has traditionally attracted the best and brightest talent because of its excellent brand and relationships with top schools. However, recent bad publicity over poor financial decisions, the removal of the CEO, and loss of key contacts in top schools have made it imperative to launch an aggressive plan to acquire the best talent in the industry, both at entry and senior levels. That situation appraisal explains exactly why you’ve been talking, why the project is urgent, and what the general goals are. Take a project you’re considering, have under way, or have completed, and try writing your own situation appraisal below:

a basic income is arguably more justified by the need for economic security than by a desire to eradicate poverty. Martin Luther King captured several aspects of this rather well in his 1967 book, Where Do We Go from Here? [A] host of positive psychological changes inevitably will result from widespread economic security. The dignity of the individual will flourish when the decisions concerning his life are in his own hands, when he has the assurance that his income is stable and certain, and when he knows that he has the means to seek self-improvement. Personal conflicts between husband, wife and children will diminish when the unjust measurement of human worth on a scale of dollars is eliminated.15 Twentieth-century welfare states tried to reduce certain risks of insecurity with contributory insurance schemes. In an industrial economy, the probability of so-called ‘contingency risks’, such as illness, workplace accidents, unemployment and disability, could be estimated actuarially. A system of social insurance could be constructed that worked reasonably well for the majority. In a predominantly ‘tertiary’ economy, in which more people are in and out of temporary, part-time and casual jobs and are doing a lot of unpaid job-related work outside fixed hours and workplaces, this route to providing basic security has broken down. The

Higher-Order Thinking is one of the defining abilities of people that are able to make really great things happen. It applies to everything from your smallest personal habits, to the largest multi-billion and multi-trillion dollar investments in infrastructure and international affairs.   Our method of doing it is relatively simple –   1. Break down decisions into the component parts and outcomes.   2. Prioritize what matters. This doesn’t need to be advanced; any thinking-through of priorities gets most of the gains here. (Though for whatever reason, people resist prioritization.)   3. Get very curious and/or paranoid to unearth hidden consequences, implications, root causes, opportunities, and risks. Do this solo on paper and in dialog if anything is significant enough.

If you made a country out of all the companies founded by Stanford alumni, it would have a GDP of roughly $ 2.7 trillion, putting it in the neighborhood of the tenth largest economy in the world. Companies started by Stanford alumni include Google, Yahoo, Cisco Systems, Sun Microsystems, eBay, Netflix, Electronic Arts, Intuit, Fairchild Semiconductor, LinkedIn, and E* Trade. Many were started by undergraduates and graduate students while still on campus. Like the cast of Saturday Night Live, the greats who have gone on to massive career success are remembered, but everyone still keeps a watchful eye on the newcomers to see who might be the next big thing. With a $ 17 billion endowment, Stanford has the resources to provide students an incredible education inside the classroom, with accomplished scholars ranging from Nobel Prize winners to former secretaries of state teaching undergraduates. The Silicon Valley ecosystem ensures that students have ample opportunity outside the classroom as well. Mark Zuckerberg gives a guest lecture in the introductory computer science class. Twitter and Square founder Jack Dorsey spoke on campus to convince students to join his companies. The guest speaker lineups at the myriad entrepreneurship and technology-related classes each quarter rival those of multithousand-dollar business conferences. Even geographically, Stanford is smack in the middle of Silicon Valley. Facebook sits just north of the school. Apple is a little farther south. Google is to the east. And just west, right next to campus, is Sand Hill Road, the Wall Street of venture capital.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at single people, you can see that they can’t provide any value – they don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a life, with them. Relationships and Business are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world markets by reducing price over quality, and is now paying the price of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It’s all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example. I tried to share what I know about Learning with Teachers, Parents and Psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, is never about what the world needs but what the world wants.

Developing a business depends on many factors. But you should basically understand the exchange between value. In other words, you must provide value to receive equal value. If you look at most singles, you can see that they can’t provide any value – they often don’t smile, dress, talk or behave in a way that makes others want to spend time, much less a lifetime, with them. Relationships and businesses are not much different. In a business, people know that appearance and the way you talk to a costumer is as important as the value of your product, and that’s why brands sell, even when their products have no quality. For example, in shopping malls you can see shops packed with people buying clothes that have no value and will be ruined or out of fashion very soon, because the brand is selling an image, not quality anymore. China, on the other hand, managed to compete in the world market by reducing price over quality, and is now paying the cost of a very bad reputation, as most people don’t trust Chinese brands anymore. This is already impacting the economy, so I don’t know what will happen in the next years. It is all in the hands of the politicians and the internationalization of the companies. And yet, I just said this to explain the relation between value and product. But here’s another example: I tried to share what I know about learning with teachers, parents and psychologists, and nobody cared. Besides, what I earned in helping children with learning disabilities was a very low payment, and I had to quit that as I couldn’t afford to pay an apartment and daily expenses with such job. However, there are people making thousands of dollars with drugs that have no effect, toilets for cats and pet-rocks. In other words, it is never about what the world needs but what the world wants.

The Chinese renminbi was fixed against the dollar from July of 2005 until June 2009. With a fixed exchange rate, a currency’s value is matched to the value of another single currency or to a basket of other currencies. So when a country pegs its currency to the dollar, the value of the currency rises and falls with the dollar. This action helped China survive the global financial crisis. But China removed the dollar peg after the global financial crisis ended last year. Meanwhile, Japan has also seen the value of the yen grow stronger. With the U.S. economy continuing to lag and growing fiscal uncertainty in European countries, the yen has continued to gain strength because it was the only currency that was stable. So countries like China expanded their purchases of the yen, resulting in the yen’s appreciation. As the yen continued to rise against the dollar, the Japanese government intervened in the currency market in September for the first time since March 2004. This is not the first global currency war the world has seen. In 1985, the finance ministers of West Germany, France, the U.S., Japan and the UK gathered at the Plaza Hotel in New York to sign the Plaza Accord. Under the deal, the countries agreed to bring down the U.S. dollar exchange rate in relation to the Japanese yen and German mark. As the recent currency war continues to spread around the globe, some countries are now saying that there is a need for a new Plaza Accord to stabilize the world economy and the global financial market.

America today is not the same nation as when you were born. Depending on your age, if you were born in America, your home nation was a significantly different land than it is today:   ·                    America didn’t allow aborting babies in the womb; ·                     Same sex marriage was not only illegal, no one ever talked about it, or even seriously considered the possibility; (“The speed and breadth of change (in the gay movement) has just been breathtaking.”, New York Times, June 21, 2009) ·                    Mass media was clean and non-offensive. Think of The I Love Lucy Show or The Walton Family, compared with what is aired today; ·                    The United States government did not take $500 million dollars every year from the taxpayers and give it to Planned Parenthood, the nation’s largest abortion provider. ·                    Videogames that glorify violence, cop killing and allow gamesters who have bought millions of copies, to have virtual sex with women before killing them, did not exist. ·                    Americans’ tax dollars did not fund Title X grants to Planned Parenthood who fund a website which features videos that show a “creepy guidance counselor who gives advice to teens on how to have (safe) sex and depict teens engaged in sex.” ·                    Americans didn’t owe $483,000 per household for unfunded retirement and health care obligations (Peter G. Peterson Foundation). ·                    The phrase “sound as a dollar” meant something. ·                    The Federal government’s debt was manageable.            American Christian missionaries who have been abroad for relatively short times say they find it hard to believe how far this nation has declined morally since they were last in the country. In just a two week period, not long ago, these events all occurred: the Iowa Supreme Court declared that same sex marriage was legal in the State; the President on a foreign tour declared that “we do not consider ourselves a Christian nation…” and a day later bowed before the King of the nation that supplied most of the 9/11 terrorists; Vermont became the first State to authorize same sex marriage by legislative action, as opposed to judicial dictate; the CEO of General Motors was fired by the federal government; an American ship was boarded and its crew captured by pirates for the first time in over 200 years; and a major Christian leader/author apologized on Larry King Live for supporting California’s Proposition 8 in defense of traditional marriage, reversing his earlier position. The pace of societal change is rapidly accelerating.

The modern-day dollar bill acquired its current design in 1957. Since then its purchasing power, relative to the consumer price index, has declined by a staggering 87 per cent. Average annual inflation in that period has been over 4 per cent,

Loans NRIs can give loans to resident Indians on a repatriable or non-repatriable basis. NRIs can also receive loans from residents. Loan from NRIs in foreign currency or on a repatriable basis A resident Indian can borrow up to US dollars 250,000 from NRI close relatives on a repatriation basis i.e. on repayment, the NRI can credit the funds in an NRE account and take this money back without any restrictions. The NRI should be a close relative of the borrower. Please check ‘Who is your relative’ for details. The amount of loan should be received by an inward remittance or by debit to the NRE/FCNR account. The loan should be a minimum of 1 year and without any interest. The funds cannot be used for agricultural/plantation/real estate business or for relending. Income: As the loan should be interest-free, no income can be generated. Taxability: As there is no income, there is no tax. Loan from NRIs in Indian rupees or on a non-repatriable basis A resident, not being a company incorporated in India, may borrow in rupees from an NRI on a non- repatriation basis. The period of loan should be 3 years or less and the rate of interest should not exceed 2% over the prevailing bank rate at the time of the loan. The loan has to be utilized for meeting the borrower’s personal requirement or for his business purposes. The funds cannot be used for agricultural/plantation/real estate business or for relending or for investment in shares, securities or immovable property. For example, Ms. Isumati has given an unsecured loan to her father’s firm earning 15% interest. If she goes to the UK for further studies and becomes an NRI, while she may continue with the loan, RBI rules would apply. The funds cannot be used for real estate business and if the bank rate is 10%, she cannot be paid more than 12% interest on her loan. Her father would also need to deduct TDS @ 30.9% on the interest. Income: Income from loans given to residents is interest. Taxability: The interest income on loans given is taxable for NRIs. Loans to NRIs NRIs are allowed to borrow from a bank/authorized

Westerners live in a complex society, and opportunities for scamming relatively small amounts of money off the bottom are almost endless—and very hard to catch. But scamming large amounts of money off the top seems even harder to catch. Fraud by American defense contractors is estimated at around $100 billion per year, and they are relatively well behaved compared to the financial industry. The FBI reports that since the economic recession of 2008, securities and commodities fraud in the United States has gone up by more than 50 percent. In the decade prior, almost 90 percent of corporate fraud cases—insider trading, kickbacks and bribes, false accounting—implicated the company’s chief executive officer and/or chief financial officer. The recession, which was triggered by illegal and unwise banking practices, cost American shareholders several trillion dollars in stock value losses and is thought to have set the American economy back by a decade and a half. Total costs for the recession have been estimated to be as high as $14 trillion—or about $45,000 per citizen. Most

The Warburg family is the most important ally of the Rothschilds, and the history of this family is at least equally interesting. The book The Warburgs shows that the bloodline of this family dates back to the year 1001.[28] Whilst fleeing from the Muslims, they established themselves in Spain. There they were pursued by Fernando of Aragon and Isabella of Castile and moved to Lombardy. According to the annals of the city of Warburg, in 1559, Simon von Cassel was entitled to establish himself in this city in Westphalia, and he changed his surname to Warburg. The city register proves that he was a banker and a trader. The real banking tradition was beginning to take shape when three generations later Jacob Samuel Warburg immigrated to Altona in 1668. His grandson Markus Gumprich Warburg moved to Hamburg in 1774, where his two sons founded the well-known bank Warburg & Co. in 1798. With the passage of time, this bank did business throughout the entire world. By 1814, Warburg & Co had business relations with the Rothschilds in London. According to Joseph Wechsberg in his book The Merchant Bankers, the Warburgs regarded themselves equal to the Rothschild, Oppenheimer and Mendelsohn families.[29] These families regularly met in Paris, London and Berlin. It was an unwritten rule that these families let their descendants marry amongst themselves. The Warburgs married, just like the Rothschilds, within houses (bloodlines). That’s how this family got themselves involved with the prosperous banking family Gunzberg from St. Petersburg, with the Rosenbergs from Kiev, with the Oppenheims and Goldschmidts from Germany, with the Oppenheimers from South Africa and with the Schiffs from the United States.[30] The best-known Warburgs were Max Warburg (1867-1946), Paul Warburg (1868-1932) and Felix Warburg (1871-1937). Max Warburg served his apprenticeship with the Rothschilds in London, where he asserted himself as an expert in the field of international finances. Furthermore, he occupied himself intensively with politics and, since 1903, regularly met with the German minister of finance. Max Warburg advised, at the request of monarch Bernhard von Bülow, the German emperor on financial affairs. Additionally, he was head of the secret service. Five days after the armistice of November 11, 1918 he was delegated by the German government as a peace negotiator at a peace committee in Versailles. Max Warburg was also one of the directors of the Deutsche Reichsbank and had financial importances in the war between Japan and Russia and in the Moroccan crisis of 1911. Felix Warburg was familiarized with the diamond trade by his uncle, the well-known banker Oppenheim. He married Frieda Schiff and settled in New York. By marrying Schiff’s daughter he became partner at Kuhn, Loeb & Co. Paul Warburg became acquainted with the youngest daughter of banker Salomon Loeb, Nina. It didn’t take long before they married. Paul Warburg left Germany and also became a partner with Kuhn, Loeb & Co. in New York. During the First World War he was a member of the Federal Reserve Board, and in that position he had a controlling influence on the development of American financial policies. As a financial expert, he was often consulted by the government. The Warburgs invested millions of dollars in various projects which all served one purpose: one absolute world government. That’s how the war of Japan against Russia (1904-1905) was financed by the Warburgs bank Kuhn, Loeb & Co.[31] The purpose of this war was destroying the csardom. As said before, in testimony before the Senate Foreign Relations Committee, James P. Warburg said: “We shall have a world government, whether or not we like it. The question is only whether world government

Complexity theorists Eric J. Chaisson and Joseph A. Tainter supply the tools required to understand why spending discipline will likely fail and why currency wars and a dollar collapse may follow. Chaisson, an astrophysicist, is a leading theorist of complexity in evolution. Tainter, an anthropologist, is also a leading theorist of complexity as it relates to the collapse of civilization. Their theories, taken together and applied to capital markets as affected by contemporary politics, should give us pause.

Phishing to Get Money The classic Nigerian scam (also called a 419 scam) is alive and well. You receive an email from someone claiming a relative or someone else has millions of dollars. Unfortunately, the sender can’t get the money without your help. The email says that if you help retrieve the money, you’ll get a substantial portion of the money for your troubles. This scam often requires the victim to pay a small sum of money with the promise of a large sum of money. However, the large sum never appears. Instead, the attackers come up with reasons why they need just a little more money. In many cases, the scammers request access to your bank account to deposit your share, but instead they use it to empty your bank account.

In 2007 one of its biggest clients, Goldman Sachs, demanded that AIG put up billions of dollars more in collateral as required under its swaps contracts. AIG disclosed the existence of the collateral dispute in November. At the December conference, Charles Gates, a longtime insurance analyst for Credit Suisse, asked pointedly what it meant that “your assessment of certain super-senior credit default swaps and the related collateral . . . differs significantly from your counterparties.

The tobacco settlement money went to lawyers and to governments, which effectively turned the money into a tax and then spent it on state bureaucracy. Regular folk did not receive any tax refund checks, nor did we see lower health insurance premiums, but we did pay more for everyday products not related to smoking. This means we are, in effect, paying billions of dollars in additional tax besides the billions in legal fees because of the tobacco settlement, as well as funding the next legal campaign to collect another large pay-day in contingency fees. It is very interesting to note during the tobacco suit that, while claiming various individuals were being victimized, or medical costs were mounting from misleading advertising or dishonest business practices, it was lawyers and governments, not the people nor their insurance companies, that collected all the loot. This the type of litigation did nothing to improve your life and it raised your cost of living.

You can reduce risk by building up your investments slowly with regular, periodic investments over time. Investing regular amounts monthly or quarterly will ensure that you put some of your money to work during favorable periods, when prices are relatively low. Investment advisers call this technique “dollar-cost averaging.” With equal dollar investments over time, the investor buys fewer shares when prices are high and more shares when prices are low. It won’t eliminate risk but it will ensure that you don’t buy your entire portfolio at temporarily inflated prices. The

Later, large numbers worked on the railroads, performing the dangerous tasks that white workers refused to do, working (and dying) in snowslides and landslides. That is how the phrase “a Chinaman’s chance” originated. Although Chinese could not become citizens because a federal law, passed in 1890, reserved naturalized citizenship for “white persons,” there was stoop work for them to do. As times got harder, however, white workers began taking out their frustrations on Chinese workers. In 1860 an estimated forty thousand Chinese miners were driven off their claims by whites. In the wake of the 1873 economic depression, white workers in the West exploded in anti-Chinese uprisings, beating and attacking Chinese laborers and merchants and destroying their homes and businesses. From then on, no Chinese felt safe either in person or property. Confronted with this hostility from whites, Chinese workers in the West left the labor force and headed East, developing means of self-employment along the way. Because laundries and restaurants could be worked by the whole family and required relatively little knowledge of English and an outlay of only a few hundred dollars for equipment, Chinese became laundrymen and restaurateurs. By the mid-1890s “chop suey” had become popular in the United States, and cartoons of Chinese laundrymen saying, “No tickee, no laundry,” were a familiar feature in American newspapers.

True orphans” are those whose parents have died and no relative claims them.  But today, children are being removed from their homes as “economic orphans.

Before we left Czernovitz, Father took a loan of one hundred dollars from a woman, with the proviso that, if we survived and got in touch with the relatives in the U.S., we would return her double. Agreed. We returned it to her in the Bronx, in 1947. In Dorohoi, we exchanged some dollars on the black market, bought some food and starting thinking what to do next. We found a "furnished" room for the parents, in Dorohoi. I intended to go to Bucharest and try to get in touch with the family.

The Atlantic puts it best: “It’s boring to point out that having more money affords you more food, more clothes, more housing, and more cars. But the richest families actually spend less on food, clothes, housing, and cars than the poorest families as a share of their income. The real difference between the rich and the poor is that the rich spend a larger share of their much larger income on insurance, education, and when you drill into the housing component, mortgages – all of which are directly related to building wealth, preserving wealth, and passing it down in the form of inheritance of direct investments in the lives of their children.

We learned a lot from watching Lotus do it the right way. They spent about half a million dollars developing 1-2-3, which was approximately the same amount of money we spent in developing the DG and PC versions of WordPerfect. They spent about two million dollars on their 1-2-3 roll-out; their ads, brochures, packaging, distribution, and public relations were all very professionally done. We, however, spent only $100,000 on our roll-out and generally looked like amateurs at everything we did. 1-2-3 would become the most popular spreadsheet as soon as it was released. We would need five years to become the most popular word processor.

The nature of the private markets is that if nine smart investors pass, it only takes one relatively dumber investor, and suddenly we’re valued at $16 billion,” the finance team member said

She’d lived all her life in money-lit radiance. Shadows now taught her the value of each dollar’s tiny flame; what would she choose to illumine in her new dim world?

A congregation that is not growing is dying. However, growth won’t necessarily be reflected numerically. It doesn’t have to involve more bodies in worship or in membership, or more dollars in the budget. It should involve growth related to the congregation’s proximate purpose: deepening spiritual practices, integrating kids with special needs into the life of the congregation, strengthening intergenerational connections, and the like. A leader trying to move an organization away from general aspirations about growth, toward a more specific purpose, can ask these questions. Growth to what end; what will growth accomplish that is central to our mission? Who will benefit from growth? Is growth possible or even desirable? Where will growth come from?[14]

In my experience, whenever activists—especially black activists—challenged discriminatory or abusive policing or questioned state and federal budgets that shifted billions of dollars away from education, public housing, welfare, or drug treatment to brand-new, high-tech prisons, someone would inevitably interrupt the conversation to raise the subject of violent crime—especially “black-on-black crime.” This discursive maneuver was often performed casually in an offhand manner; yet it proved to be a stunningly effective way of refocusing attention on a relatively small number of individuals who cause harm, thus shielding from critique an entire system that inflicts incalculable harm on millions.

After all, the band was being paid a relative pittance for their efforts: $750 per show, split four ways. Oh, and twenty-five dollars per diem to cover meals and other sundries. Think about that: each night when Van Halen went onstage, each band member earned approximately $187 to perform. Given

Page 10-11: Because of America's vigorous growth, and because the dollar plays a special role in the international economy, foreigners have been willing to finance the nation's imports and consumption. The bad news is that America's trade and investment deficits with the rest of the world (i.e., the amounts by which it is spending more than it is producing and borrowing more than it is lending) are growing so fast that they threaten to place the United States in the position of Thailand in 1997. That is to say, America's debts to the rest of the world may soon become large enough that its creditors could start wondering about the nation's ability to repay. Should foreigners lose faith in America's creditworthiness, they may start dumping dollars the way they dumped Thai baht. In that case, the American consumer would face significant belt-tightening to enable to country to start paying the debt down. Alternatively, the Federal Reserve could raise interest rates very high. This step would aim at persuading foreigners to keep up their lending by offering them higher rates of return on their loans, but it would also slow down the domestic economy by making the cost of money much more expensive for businesses and consumers. It would also add greatly to the total debt that would have to be repaid. ... A significant U.S. slowdown, therefore, would most likely leave the Japanese and Europeans (plus the Chinese and the rest of Asia and Latin America) with ever greater stockpiles of goods that no one could or would buy. These products would either languish on the shelf, or global price wars would break out, with each country trying to undercut the other in a frantic attempt to trim losses. Nations would either offer their goods for sale for much less than their production costs, or they would devalue their currencies, making them cheaper relative to other currencies. Thus their goods would automatically sell for less in foreign markets, and foreign goods would automatically become more expensive in their market.

devalued the yuan by a third, from 5.8 yuan per dollar to 8.7 yuan per dollar. By the middle of 1995, a new hard peg had been established at 8.3 yuan per dollar. This exchange rate would be rigidly maintained until the middle of 2005. The result was that the yuan became progressively undervalued relative to economic fundamentals. China had tied its currency to the dollar even though productivity was growing far slower in the United States than in China, or much of the rest of the world. This made Chinese exports increasingly cheap for foreign consumers and simultaneously deprived Chinese consumers of the ability to buy everything their labor had earned. It was a transfer from China’s consumers that subsidized the profits

A man's wealth must be determined by the relation of his desires and expenditures to his income. If he feels rich on ten dollars, and has everything else he desires, he really is rich.

There has indeed been greed and theft aplenty in modern Russia, as the gaudy palaces and missile-armed yachts show. Much of this has been related to the president’s friends, who have used corrupt contracts with state-owned firms to accumulate fortunes worth billions of dollars. The cost of this corruption is not only the money diverted from better uses, but also the investments that did not occur because potential entrepreneurs feared for the safety of their firms.

IRS Notice 2014-21, which provides a bit more information on tax guidance related to bitcoin and virtual currency, we find an attempt at further clarification: Virtual currency that has an equivalent value in real currency, or that acts as a substitute for real currency, is referred to as convertible virtual currency. Bitcoin is one example of a convertible virtual currency. Bitcoin can be digitally traded between users and can be purchased for, or exchanged into, U.S. dollars, Euros, and other real or virtual currencies.29 In this case, bitcoin is considered a “convertible” virtual currency.

company is making a lot of money. Second, and more important, it would take a lot of the focus off of our company, and considering what we’ll be doing behind the scenes, we don’t need a lot of attention. The fact that Wally has found a hidden basement to put his real R&D lab in means we are less likely to be exposed, but the last thing we need is a lot of reporters trying to learn our secrets, and even worse would be the problem of industrial espionage. If we make it clear that we will license the technology, there’s not really going to be any point in anyone trying to steal it from us.” Allison nodded. “Okay, I see your points. What about patents? All of the stuff is patentable, right?” “It is, and I’ve already worked with one of the best patent attorneys in the world to get them filed on a global basis. It cost almost two million dollars altogether, but our corporation now holds patents on these designs and functions in every country. That was actually a little tricky, because some of the other appliance manufacturers have been working on some similar devices for a while, but we found loopholes that let us claim many of the functions entirely as our own. We did have to refer to some prior art, so there will be a relatively small amount of royalties to pay out each year.” “As long as we are protected,” Allison said. “Now, fill me in on my job here. What am I supposed to be doing?” “As COO, your job is to oversee our business operations, which includes reporting back to Noah on any issues or developments. I’ll actually handle most of that for you, but I want to brief you at least a couple times a week on what’s happening with the business. That way, if you find yourself in a position of having to answer questions, you’ll know what to say.” Allison grinned and looked at Noah. “Sounds like you have it all figured out,” she said. “This is actually a brilliant idea, Noah. Setting up a business like this to cover activities is very smart. It will also give us a way to receive payments for our services.” “Payments?” Noah asked. “I set this up so that we wouldn’t have to worry about getting a budget from the government.” Allison’s eyebrows rose. “You don’t think we’re going to work for free, do you? Every time we handle a mission, there will be a payment of half a million dollars. That’s the deal I worked out with

Given the extreme illogicalness of the suburbs - the fact that only with hundreds of billions of dollars in incentives did it make sense for so many Americans to move out of cities and to the suburbs - it seems predictable that their drawbacks would manifest relatively quickly, and that those who could afford it would eventually find other ways of living. That's exactly what's happening: children raised in the suburbs have decided their lives would be better elsewhere, and if they have enough privilege, they have mostly decided to settle in city centers instead.

All one must do is remember basic math. If one system that administers medical payments require hundreds of duplicate services, equipment, software, & databases, and must make profits for passive investors, and must pay thousands of executives millions of dollars, then it is mathematically impossible for that system to be more efficient than one that must provide the same medical payments without those expenses and overhead. Not even an inordinate amount of waste and fraud in any single-payer system would likely match the legalized fraud of the private healthcare insurance system. It is simply basic math.

Amid a series of heated meetings in early 2019, Cook and Ahrendts agreed to part ways. An abrupt announcement in February that she would leave ignited rumors that she had been fired. Apple’s public relations team swung into action to suppress the rumors, pushing a story that the departure had been planned. Indeed, Ahrendts told friends, she was ready to leave. She had spent five years at the company and made $173 million. She was ready to exit an empire where an aloof CEO assaulted staff with interrogation.

I had the word "abecedarian." It's relatively rare, on of those ten-dollar words that people whip out when trying to prove that they competed in the National Spelling Bee.

In the midst of World War II, Quincy Wright, a leader in the quantitative study of war, noted that people view war from contrasting perspectives: “To some it is a plague to be eliminated; to others, a crime which ought to be punished; to still others, it is an anachronism which no longer serves any purpose. On the other hand, there are some who take a more receptive attitude toward war, and regard it as an adventure which may be interesting, an instrument which may be legitimate and appropriate, or a condition of existence for which one must be prepared” Despite the millions of people who died in that most deadly war, and despite widespread avowals for peace, war remains as a mechanism of conflict resolution. Given the prevalence of war, the importance of war, and the enormous costs it entails, one would assume that substantial efforts would have been made to comprehensively study war. However, the systematic study of war is a relatively recent phenomenon. Generally, wars have been studied as historically unique events, which are generally utilized only as analogies or examples of failed or successful policies. There has been resistance to conceptualizing wars as events that can be studied in the aggregate in ways that might reveal patterns in war or its causes. For instance, in the United States there is no governmental department of peace with funding to scientifically study ways to prevent war, unlike the millions of dollars that the government allocates to the scientific study of disease prevention. This reluctance has even been common within the peace community, where it is more common to deplore war than to systematically figure out what to do to prevent it. Consequently, many government officials and citizens have supported decisions to go to war without having done their due diligence in studying war, without fully understanding its causes and consequences. The COW Project has produced a number of interesting observations about wars. For instance, an important early finding concerned the process of starting wars. A country’s goal in going to war is usually to win. Conventional wisdom was that the probability of success could be increased by striking first. However, a study found that the rate of victory for initiators of inter-state wars (or wars between two countries) was declining: “Until 1910 about 80 percent of all interstate wars were won by the states that had initiated them. . . . In the wars from 1911 through 1965, however, only about 40 percent of the war initiators won.” A recent update of this analysis found that “pre-1900, war initiators won 73% of wars. Since 1945 the win rate is 33%.”. In civil war the probability of success for the initiators is even lower. Most rebel groups, which are generally the initiators in these wars, lose. The government wins 57 percent of the civil wars that last less than a year and 78 percent of the civil wars lasting one to five years. So, it would seem that those initiating civil and inter-state wars were not able to consistently anticipate victory. Instead, the decision to go to war frequently appears less than rational. Leaders have brought on great carnage with no guarantee of success, frequently with no clear goals, and often with no real appreciation of the war’s ultimate costs. This conclusion is not new. Studying the outbreak of the first carefully documented war, which occurred some 2,500 years ago in Greece, historian Donald Kagan concluded: “The Peloponnesian War was not caused by impersonal forces, unless anger, fear, undue optimism, stubbornness, jealousy, bad judgment and lack of foresight are impersonal forces. It was caused by men who made bad decisions in difficult circumstances.” Of course, wars may also serve leaders’ individual goals, such as gaining or retaining power. Nonetheless, the very government officials who start a war are sometimes not even sure how or why a war started.

Keith was sophisticated enough to understand the inherent risk of options; buying options wasn't as dangerous as short selling, because your potential for loss was capped, because you could always let the options expire. You paid a fee for the right to buy a certain number of shares of a stock at a certain price by a certain date. Sold in 100-share blocks, the fee was based on demand, which related to where people thought the stock price was going. Because the fee you paid for those 100-share blocks was a fraction of the pegged price, you could leverage yourself into a very large position with a relatively small amount of money. If the price went up, you could make a lot; if it went down, your options were worthless, but you only lost what you initially paid. A full 80 percent of the options bought by retail traders like him expired worthless; but when you only had a little to work with, there was no better way to shoot for the moon. Fifty-three thousand dollars was a lot, considering he had a two-year-old, a house, a wife. It was as much money as his dad earned in a year when he was younger. But Keith was that sure, even when the stock was hovering around $5 a share, that he had found value that others had missed.

Getting through Burnout I’ve heard burnout manifests itself differently in different people, but for me it felt like a mix of depression and frustration. Not the kind you can clear up with a weekend away, but a long-term, deep sense of tiredness, lack of motivation, and feeling just a little pissed off at all times. This led to my aforementioned stints of staring at Trello for hours and a lack of presence at home. I would be home with the family, but most of the time my mind was elsewhere. I tell this as a cautionary tale: if you find yourself listless, unmotivated, or constantly frustrated as you endure the stress of building your company, it’s unlikely to fix itself. The best remedy for burnout is significantly changing your habits and patterns related to work, including stepping away for weeks, which feels like the last thing you can do when everything is going crazy (whether it’s good crazy or bad crazy). If you find yourself in this situation, you need to address it, or it will get worse. If unaddressed, burnout can lead to terrible outcomes, including long-term damage to your brain. If burnout is a situation you find yourself in, consider reaching out to a professional who works with founders on the mental game of entrepreneurship. Dr. Sherry Walling is one (she happens to be my wife, and she knows her stuff), but there are many other executive coaches and therapists who work with high-performing individuals to manage stress, burnout, and everything else that comes with our line of work. I’ve only started to touch on burnout here, but for an entire chapter about it, check out my third book: The Entrepreneur’s Guide to Keeping Your Sh*t Together: How to Run Your Business Without Letting it Run You.

The problem is it’s very difficult to find someone who will feel your loss with you. The same people who cry at movies will not blink an eye if you relate a tragedy. They will say, I’m so sorry for your loss. Like you have lost a thousand dollars on a horse race. Like it’s something replaceable. A pittance, in the grand scheme of things.

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we examined return on investment for communication expenditures for “most-excellent” and “least-excellent” programs. 6 In the survey, CEOs were asked to estimate benefits that their organizations received from the dollars or pounds invested in communication. If the CEO said the organization received one dollar back for each dollar spent on communication, then communication benefits were even with costs. If two dollars in benefits were received for each communication dollar spent, then communication provided the organization with a positive return on investment. The CEO's evaluation of return on investment is, admittedly, subjective. But consider this: The CEO's judgments about costs and benefits are the very judgments that will determine if your budget and staff increase or decrease next year! Further, no other manager in the organization has the same vantage point as the CEO. The average return on investment from the CEOs in organizations with most-excellent communication programs was $2.66 for every dollar invested in communication. In contrast, CEOs of organizations with least-excellent communication programs reported only a $1.46 average return on investment for each dollar spent on communication. CEOs with most-excellent communication programs—as defined by the Excellence Study and as isolated in the Excellence Factor—see greater return on investment for communication expenditures than do CEOs with least-excellent programs.

The agents of imperial demise would certainly be backed up by military power—the Chinese have never wavered in that view—but the agents would be many and varied: economic, legal, public relations—and electronic sabotage. The success of George Soros’s then recent speculative attack on the currencies of several East Asian nations impressed but appalled the Chinese (who have pegged their own currency to the dollar in part to discourage such tactics). Soros and his traders had driven down the value of these currencies, forcing them into line with their true worth! But that point was lost on Qiao and Wang, as it was lost on noncapitalists (i.e., most people) around the world, who saw only economic chaos in Asia created by Western capitalists. To the authors of Unrestricted Warfare, these attacks were a form of economic terrorism on par with bin Laden’s bombings of U.S. embassies in East Africa, Aum Shinrikyo’s sarin gas attack in the Tokyo subway, and the depredations of malicious hackers on the Internet. They “represent semi-warfare, quasi-warfare, and sub-warfare, that is, the embryonic form of another kind of warfare.” Such warfare knows no boundaries, and against it, borders have no meaning.

Relational ministry isn’t free. But I’m convinced every dollar we spend on it is worth it the investment. (Especially compared to what you probably spent at Oriental Trading or the Dollar Store last year.)

The other caution has to do with coordinating what work is phased out as a result of lower staffing levels. Leaders often let any such phasing out proceed of its own accord because they have faith that when they eliminate layers in the organizational chart or increase leadership spans of control, people who feel the increased workload will wisely and naturally eliminate tasks that are non-value added or of reduced competitive importance. But this faith is misplaced if employees are not clear about the relative value of work or what the strategic trade-offs should be. If they do not know what work to eliminate, they may not eliminate any at all and instead pass it on to someone else. In this way the organization chart is like a square of jiggly jelly. If you squeeze the jelly from the top and the bottom, it is going to squelch out the sides, and if you squeeze from the sides, it is going to squelch out the top and the bottom. Increasing spans of control—giving leaders more responsibility—may soon result in more layers (for example, one firm created “senior technician” roles for technicians to fill as intermediaries for busy managers). Decreasing layers of the organizational chart may increase spans of control (for example, another company eliminated a layer of managers but then hired a couple of new directors to handle the additional workload when all the reports were reassigned to the next highest management level). The total headcount dollars are never reduced, just reapportioned.

King knows what scares us. He has proven this a thousand times over. I think the secret to this is that he knows what makes us feel safe, happy, and secure; he knows our comfort zones and he turns them into completely unexpected nightmares. He takes a dog, a car, a doll, a hotel—countless things that we know and love—and then he scares the hell out of us with those very same things. Deep down, we love to be scared. We crave those moments of fear-inspired adrenaline, but then once it’s over we feel safe again. King’s work generates that adrenaline and keeps it pumping. Before King, we really didn’t have too many notables in the world of horror writers. Poe and Lovecraft led the pack, but when King came along, he broke the mold. He improved with age just like a fine wine and readers quickly became addicted, and inestimable numbers morphed into hard-core fans. People can’t wait to see what he’ll do next. What innocent, commonplace “thing” will he come up with and turn into a nightmare? I mean, think about it…do any of us look at clowns, crows, cars, or corn fields the same way after we’ve read King’s works? SS: How did your outstanding Facebook group “All Things King” come into being? AN: About five years ago, I was fairly new to Facebook and the whole social media world. I’m a very “old soul” (I’ve been told that many times throughout my life: I miss records and VHS tapes), so Facebook was very different for me. My wife and friends showed me how to do things and find fan pages and so forth. I found a Stephen King fan page and really had a fun time. I posted a lot of very cool things, and people loved my posts. So, several Stephen King fans suggested I do my own fan page. It took some convincing, but I finally did it. Since then, I have had some great co-administrators, wonderful members, and it has opened some amazing doors for me, including hosting the Stephen King Dollar Baby Film fest twice at Crypticon Horror Con in Minnesota. I have scored interviews with actors, writers, and directors who worked on Stephen King films or wrote about King; I help promote any movie, or book, and many other things that are King related, and I’ve been blessed to meet some wonderful people. I have some great friends thanks to “All Things King.” I also like to teach our members about King (his unpublished stories, lesser-known short stories, and really deep facts and trivia about his books, films, and the man himself—info the average or new fan might not know). Our page is full of fun facts, trivia, games, contests, Breaking News, and conversations about all things Stephen King. We have been doing it for five years now as of August 19th—and yes, I picked that date on purpose.

For one thing, this steady devaluation of the dollar is a new practice, relatively speaking. For most of our country’s history, the dollar gained value. The dollar was worth 75 percent more in 1912 than it was worth in 1800. You know those stories your parents or grandparents tell about how they used to buy a sandwich and a fountain soda for a dime? How everything was so much cheaper back in the day? If you were around in 1900, for instance, the old folk didn’t tell those sorts of stories. What cost a dime in 1900 probably cost fifteen cents in 1875, and twenty cents in 1800. Of course, since 1912, the dollar has lost more than 95 percent of its value....You will remember what happened in 1913: the Fed was created.

I had been exposed to the motion picture industry at oblique angles ever since I arrived in Los Angeles in 1964, and some of its working arrangements seemed to me far more magical than that glamour for which the Industry was noted: there was the way in which failure escalated the possibilities of success, the way in which price bore no relation to demand. There was the way in which millions of dollars were gambled on ephemeral, unpredictable and, uncomfortably often, invalid ideas of marketability. There was the way that many, perhaps most, people in the Industry remained unconscious of their own myths and superstitions. There was the Eldorado mood of life in the capital, the way in which social and economic fortunes could shoot up or plummet down, as in a mining boom town, on no more than rumors, the hint of a rich vein, the gossip that the lode was played out.

Quinn and Leslie repeatedly showed themselves to be experts at build-a-gag in which related elements were parlayed together for comic effect, and in this episode they play the numbers game as Gamble describes how during the silly season “200-pound men start climbing 49-cent stepladders to wire dimestore angels to the tops of three-dollar Christmas trees and wind up in a $500 plaster cast.

Common explanation for Pakistan’s relatively uninspiring economic performance is that the country’s riches are regularly plundered by corrupt politicians and civil servants, making it seem poorer than it is. Every military intervention in Pakistan’s politics has been predicated on the assumption that an honest general can help recover the billions of dollars siphoned from the economy and stashed in bank accounts abroad, though no large-scale repatriation of stolen Pakistani wealth has so far occurred.

Here are the six steps Bazerman and Moore argue you should take, either implicitly or explicitly, when applying a rational decision-making process. “Define the problem. Managers often act without a thorough understanding of the problem to be solved, leading them to solve the wrong problem. Accurate judgment is required to identify and define the problem. Managers often err by (a) defining the problem in terms of a proposed solution, (b) missing a bigger problem, or (c) diagnosing the problem in terms of its symptoms. Your goal should be to solve the problem, not just eliminate its temporary symptoms.” “Identify the criteria. Most decisions require you to accomplish more than one objective. When buying a car, you may want to maximize fuel economy, minimize cost, maximize comfort, and so on. The rational decision maker will identify all relevant criteria in the decision-making process.” “Weight the criteria. Different criteria will vary in importance to a decision maker. Rational decision makers will know the relative value they place on each of the criteria identified (for example, the relative importance of fuel economy versus cost versus comfort). The value may be specified in dollars, points, or whatever scoring system makes sense.” “Generate alternatives. The fourth step in the decision-making process requires identification of possible courses of action. Decision makers often spend an inappropriate amount of search time seeking alternatives, thus creating a barrier to effective decision making. An optimal search continues only until the cost of the search outweighs the value of added information.” “Rate each alternative on each criterion. How well will each of the alternative solutions achieve each of the defined criteria? This is often the most difficult stage of the decision-making process, as it typically requires us to forecast future events. The rational decision maker carefully assesses the potential consequences on each of the identified criteria of selecting each of the alternative solutions.” “Compute the optimal decision. Ideally, after all of the first five steps have been completed, the process of computing the optimal decision consists of (a) multiplying the ratings in step 5 by the weight of each criterion, (b) adding up the weighted ratings across all of the criteria for each alternative, and (c) choosing the solution with the highest sum of weighted ratings.

Together these four words spell out LEAP. LEARNING means that self-made millionaires expend more time and effort discovering what they do best and pursuing opportunities related to what they do best. EARNING means they take on projects and make deals that maximize the dollar potential of those opportunities while limiting their downside risks. ASSISTANCE means that they actively cultivate networks of friends, associates, and partners so they can get help and advice on all the tasks beyond the bounds of what they do best. PERSISTENCE means they take an authentic interest in their setbacks as an important and necessary aspect of the success process.

What’s an exchange rate? An exchange rate (also known as the nominal exchange rate) represents the relative price of two currencies. For example, the dollar–euro exchange rate implies the relative price of the euro in terms of dollars. If the dollar–euro exchange rate is $0.95, it means that you need $0.95 to buy €1. Therefore, the exchange rate simply states how many units of one currency you need to buy one unit of another currency. Throughout the book, you see the term consumption basket. Basically, think about the content of your shopping cart when you go grocery shopping, such as milk, bread, eggs, and so on. The consumption basket of a country includes goods and services that are bought or consumed by the average person in this country.

While this signifier can be difficult to pin down with precision, it can clearly be heard in the records of Duane Eddy and many other guitarists of the period. It usually involves a relatively nondistorted electric guitar timbre articulated with a strong attack and a melody played on the lower strings. Reverberation is ubiquitous, and almost equally common were echo, amplifier tremolo, and use of the guitar’s vibrato bar. This overall guitar sound is often called a Fender sound, but that is a bit misleading, since Gretsch guitars were equally specialized for the purpose, and many other brands were also used. What makes the twang guitar interesting in topical terms is that it not only signified the western topic but also was key to a linked set of genres that intersect one another in complex ways: western, spy, and surf. Because these were all signified by overlapping musical features and in turn resemble one another in some of their broader connotations, we could speak of a twang guitar continuum: a range of topics that coalesced only shortly before psychedelia and were cognate with it in a variety of ways. Philip Tagg and Bob Clarida point out that the twang guitar, often in a minor mode with a flat seventh, was a common factor between spaghetti western and Bond/spy scores in the late 1950s and early 1960s. I would add surf guitar to the list, with its sonic experimentation and general relationship to fun, escape, and exoticism: “[The twang guitar] probably owes some of its immediate success as a spy sound to its similarity with various pre-rock ‘Viennese intrigue’ sounds like Anton Karas’s Third Man zither licks (1949). But in the 1962–64 period that produced The Virginian (1962), Dr. No (1963) and Leone’s A Fistful of Dollars (1964), steely Fender guitar was well on its way to becoming an all-purpose excitement/adventure timbre” (Tagg and Clarida 2003, 367).

Tax-Deferred does not mean Tax-Free It never ceases to amaze me when I meet with people who do not know that tax-deferred does not mean tax-free. You mean I have to pay taxes when I take this money!? This is not all mine!? These are common remarks I hear as we are looking at their most recent retirement account statement. Somehow this consideration was missed when they enrolled in the savings plan and each year when they postponed the tax when filing their tax return. I am not a tax professional but I can understand how an accountant or tax preparer wouldn’t think to make sure the client understands that they are postponing taxes and the tax calculation during their working years. I met an accountant that expressed how difficult it is when he gets the client that believed they were ready to leave work only to find out that because of taxes they are coming up a little or a lot short. This happened to one of my relatives that worked at least 30 years as an x-ray technician and then supervisor at a very large hospital. While working, they always had the nice houses, the nice cars, and a nice upper-middle class lifestyle, nothing fancy. After he retired and even though his wife still worked as a school principal, he had to take a sales clerk job at a nearby liquor store so that his family could maintain their lifestyle. I will never forget other relatives joking and laughing about him miscalculating his retirement. I’m certain that his unsuccessful retirement and that of other relatives influenced my interest in retirement planning if for no one else but me. With a limited amount of retirement income, most retirees would prefer to keep their dollars rather than give them to Uncle Sam. Even those with an unlimited source of funds don’t want to pay more taxes than necessary. Fortunately, there are some ways to decrease your tax burden once you’ve done the obvious work of ensuring you’ve taken all the deductions and credits to which you’re entitled when you file your taxes.

1 The line separating habits and addictions is often difficult to measure. For instance, the American Society of Addiction Medicine defines addiction as “a primary, chronic disease of brain reward, motivation, memory and related circuitry….Addiction is characterized by impairment in behavioral control, craving, inability to consistently abstain, and diminished relationships.” By that definition, some researchers note, it is difficult to determine why spending fifty dollars a week on cocaine is bad, but fifty dollars a week on coffee is okay. Someone who craves a latte every afternoon may seem clinically addicted to an observer who thinks five dollars for coffee demonstrates an “impairment in behavioral control.” Is someone who would prefer running to having breakfast with his kids addicted to exercise? In general, say many researchers, while addiction is complicated and still poorly understood, many of the behaviors that we associate with it are often driven by habit. Some substances, such as drugs, cigarettes, or alcohol, can create physical dependencies. But these physical cravings often fade quickly after use is discontinued. A physical addiction to nicotine, for instance, lasts only as long as the chemical is in a smoker’s bloodstream—about one hundred hours after the last cigarette. Many of the lingering urges that we think of as nicotine’s addictive twinges are really behavioral habits asserting themselves—we crave a cigarette at breakfast a month later not because we physically need it, but because we remember so fondly the rush it once provided each morning. Attacking the behaviors we think of as addictions by modifying the habits surrounding them has been shown, in clinical studies, to be one of the most effective modes of treatment. (Though it is worth noting that some chemicals, such as opiates, can cause prolonged physical addictions, and some studies indicate that a small group of people seem predisposed to seek out addictive chemicals, regardless of behavioral interventions. The number of chemicals that cause long-term physical addictions, however, is relatively small, and the number of predisposed addicts is estimated to be much less than the number of alcoholics and addicts seeking help.) *

Five months later, Goldman launched Project Maximus, buying another $1.75 billion in bonds to finance 1MDB’s acquisition of power plants from the Malaysian casino-and-plantations conglomerate Genting Group. Again, the fund paid a high price, and, like Tanjong, Genting made payments to a Najib-linked charity. This time, $790.3 million disappeared into the look-alike Aabar. David Ryan, president of Goldman’s Asia operations, argued to lower the fee on the second bond, given how easy it had been to sell the first round. But he was overruled by senior executives, including Gary Cohn. While Goldman was working on the deal, Ryan was effectively sidelined; the bank brought in a veteran banker, Mark Schwartz, a proponent of the 1MDB business, as chairman in Asia, a post senior to Ryan’s. Goldman earned a little less than the first deal, making $114 million—still an enormous windfall. For bringing in the business, Leissner was paid a salary and bonuses in 2012 of more than $10 million, making him one of the bank’s top-remunerated employees. But that was just the tip of the iceberg. Unknown to his bosses at Goldman, and three months after the first bond, millions of dollars began to flow into a British Virgin Islands shell company controlled by Leissner, some of which he shared with Roger Ng, according to Department of Justice filings. Millions of dollars more moved through Leissner’s shell company to pay bribes to 1MDB officials. Over the next two years, more than $200 million in 1MDB money, raised by Goldman, would flow through accounts controlled by Leissner and his relatives. He could have taken his hefty Goldman salary and disavowed knowledge of the bribery carried out by Low and others. Perhaps he would have gotten away with it, as many Wall Street bankers do in countries far from headquarters. But he decided to take a risk by becoming a direct accomplice in the fraud, rather than just greasing its wheels. He had seen the kind of life Low was leading, and he must have thought that a mere $10 million wasn’t going to cut it, not if he wanted to buy super yachts and host parties himself. Soon he would be doing just that.

I'm not going to Wichita,' Vladimir said, the word 'Wichita' rendered by his accent as the most foreign word imaginable in the English language. 'I’m going to live with Fran and it’s going to be all right. You’re going to make it all right.' But even as he was laying down the law, his hands were shaking to the point where it was hard to keep the shabby pay-phone receiver properly positioned between his mouth and ear. Teardrops were blurring the corners of his eyes and he felt the need to have Baobab hear him burst out in a series of long, convulsive sobs, Roberta-style. All he had wanted was twenty thousand lousy dollars. It wasn’t a million. It was how much Dr. Girshkin made on average from two of his nervous gold-toothed patients. 'Okay,' Baobab said. 'Here’s how we’re going to do it. These are the new rules. Memorize them or write them down. Do you have a pen? Hello? Okay, Rule One: you can’t visit anyone—friends, relatives, work, nothing. You can only call me from a pay phone and we can’t talk for more than three minutes.' He paused. Vladimir imagined him reading this from a little scrap of paper. Suddenly Baobab said, under his breath: 'Tree, nine-thirty, tomorrow.' 'The two of us can never meet in person,' he was saying loudly now. 'We will keep in touch only by phone. If you check into a hotel, make sure you pay cash. Never pay by credit card. Once more: Tree, nine-thirty, tomorrow.' Tree. Their Tree? The Tree? And nine-thirty? Did he mean in the morning? It was hard to imagine Baobab up at that unholy hour. 'Rule Five: I want you to keep moving at all times, or at least try to keep moving. Which brings us to…' But just as Rule Six was about to come over the transom, there was a tussle for the phone and Roberta came on the line in her favorite Bowery harlot voice, the kind that smelled like gin nine hundred miles away. 'Vladimir, dear, hi!' Well, at least someone was enjoying Vladimir’s downfall. 'Say, I was thinking, do you have any ties with the Russian underworld, honey?' Vladimir thought of hanging up, but the way things were going even Roberta’s voice was a distinctly human one. He thought of Mr. Rybakov’s son, the Groundhog. 'Prava,' he muttered, unable to articulate any further. An uptown train rumbled beneath him to underscore the underlying shakiness of his life. Two blocks downtown, a screaming professional was being tossed back and forth between two joyful muggers. 'Prava, how very now!' Roberta said. 'Laszlo’s thinking of opening up an Academy of Acting and the Plastic Arts there. Did you know that there are thirty thousand Americans in Prava? At least a half dozen certified Hemingways among them, wouldn’t you agree?' 'Thank you for your concern, Roberta. It’s touching. But right now I have other… There are problems. Besides, getting to Prava… What can I do?… There’s an old Russian sailor… An old lunatic… He needs to be naturalized.' There was a long pause at this point and Vladimir realized that in his haste he wasn’t making much sense. 'It’s a long story…' he began, 'but essentially… I need to… Oh God, what’s wrong with me?' 'Talk to me, you big bear!' Roberta encouraged him. 'Essentially, if I get this old lunatic his citizenship, he’ll set me up with his son in Prava.' 'Okay, then,' Roberta said. 'I definitely can’t get him his citizenship.' 'No,' Vladimir concurred. 'No, you can’t.' What was he doing talking to a sixteen-year-old? 'But,' Roberta said, 'I can get him the next best thing…

But there are other ways to think about the question of existence. For example, we might consider what we mean when we talk about a company “existing.” It would clearly not be the same as a chair existing. Does a company exist when it has filed the appropriate papers of incorporation? Does it exist when it has a building or a website? In some sense the answer to these would have to be yes. But many would prefer to speak of a company as existing when it is doing business. Consider what is communicated when a small retail business frames and displays the first dollar bill from the first sale. As another alternative, consider a restaurant that is required to display its current permit from the city department of health. Without that permit, the restaurant could be said not to exist, for it cannot do any business. Here existence is connected to the authority that governs existence in relation to the function the business serves. It is the government permit that causes that restaurant to exist, and its existence is defined in functional terms.

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

Lucent, Not Transparent In mid-2000, Lucent Technologies Inc. was owned by more investors than any other U.S. stock. With a market capitalization of $192.9 billion, it was the 12th-most-valuable company in America. Was that giant valuation justified? Let’s look at some basics from Lucent’s financial report for the fiscal quarter ended June 30, 2000:1 FIGURE 17-1 Lucent Technologies Inc. All numbers in millions of dollars. * Other assets, which includes goodwill. Source: Lucent quarterly financial reports (Form 10-Q). A closer reading of Lucent’s report sets alarm bells jangling like an unanswered telephone switchboard: Lucent had just bought an optical equipment supplier, Chromatis Networks, for $4.8 billion—of which $4.2 billion was “goodwill” (or cost above book value). Chromatis had 150 employees, no customers, and zero revenues, so the term “goodwill” seems inadequate; perhaps “hope chest” is more accurate. If Chromatis’s embryonic products did not work out, Lucent would have to reverse the goodwill and charge it off against future earnings. A footnote discloses that Lucent had lent $1.5 billion to purchasers of its products. Lucent was also on the hook for $350 million in guarantees for money its customers had borrowed elsewhere. The total of these “customer financings” had doubled in a year—suggesting that purchasers were running out of cash to buy Lucent’s products. What if they ran out of cash to pay their debts? Finally, Lucent treated the cost of developing new software as a “capital asset.” Rather than an asset, wasn’t that a routine business expense that should come out of earnings? CONCLUSION: In August 2001, Lucent shut down the Chromatis division after its products reportedly attracted only two customers.2 In fiscal year 2001, Lucent lost $16.2 billion; in fiscal year 2002, it lost another $11.9 billion. Included in those losses were $3.5 billion in “provisions for bad debts and customer financings,” $4.1 billion in “impairment charges related to goodwill,” and $362 million in charges “related to capitalized software.” Lucent’s stock, at $51.062 on June 30, 2000, finished 2002 at $1.26—a loss of nearly $190 billion in market value in two-and-a-half years.

Pair 3: American Home Products Co. (drugs, cosmetics, household products, candy) and American Hospital Supply Co. (distributor and manufacturer of hospital supplies and equipment) These were two “billion-dollar good-will” companies at the end of 1969, representing different segments of the rapidly growing and immensely profitable “health industry.” We shall refer to them as Home and Hospital, respectively. Selected data on both are presented in Table 18-3. They had the following favorable points in common: excellent growth, with no setbacks since 1958 (i.e., 100% earnings stability); and strong financial condition. The growth rate of Hospital up to the end of 1969 was considerably higher than Home’s. On the other hand, Home enjoyed substantially better profitability on both sales and capital.† (In fact, the relatively low rate of Hospital’s earnings on its capital in 1969—only 9.7%—raises the intriguing question whether the business then was in fact a highly profitable one, despite its remarkable past growth rate in sales and earnings.) When comparative price is taken into account, Home offered much more for the money in terms of current (or past) earnings and dividends. The very low book value of Home illustrates a basic ambiguity or contradiction in common-stock analysis. On the one hand, it means that the company is earning a high return on its capital—which in general is a sign of strength and prosperity. On the other, it means that the investor at the current price would be especially vulnerable to any important adverse change in the company’s earnings situation. Since Hospital was selling at over four times its book value in 1969, this cautionary remark must be applied to both companies. TABLE 18-3. Pair 3. CONCLUSIONS: Our clear-cut view would be that both companies were too “rich” at their current prices to be considered by the investor who decides to follow our ideas of conservative selection. This does not mean that the companies were lacking in promise. The trouble is, rather, that their price contained too much “promise” and not enough actual performance. For the two enterprises combined, the 1969 price reflected almost $5 billion of good-will valuation. How many years of excellent future earnings would it take to “realize” that good-will factor in the form of dividends or tangible assets? SHORT-TERM SEQUEL: At the end of 1969 the market evidently thought more highly of the earnings prospects of Hospital than of Home, since it gave the former almost twice the multiplier of the latter. As it happened the favored issue showed a microscopic decline in earnings in 1970, while Home turned in a respectable 8% gain. The market price of Hospital reacted significantly to this one-year disappointment. It sold at 32 in February 1971—a loss of about 30% from its 1969 close—while Home was quoted slightly above its corresponding level.*

1. The first psychological fallacy is the tendency to overvalue wagers involving a low probability of a high gain and to undervalue wagers involving a relatively high probability of low gain. The best examples are the favorites and the long shots at racetracks.

Mindfulness, neuroplasticity, trauma-informed cognitive behavioral therapy, psychoanalysis, career coaching, Kripalu yoga – the list of “cures” for our lack of resilience and related problems is endless. If you are overweight, alone, miserable at work or crippled by stress or anxiety or depression, there are hordes of gurus and experts chasing you with books and quick fixes. With their advice, guidance, motivation or inspiration, you can fix your problems. But make no mistake: They are always your problems. You alone are responsible for them. It follows that failing to fix your problems will always be your failure, your lack of will, motivation or strength. Galen, the second-century physician who ministered to Roman emperors, believed his medical treatments were effective. “All who drink of this treatment recover in a short time,” he wrote, “except those whom it does not help, who all die. It is obvious, therefore, that it fails only in incurable cases.” This is the way of the billion-dollar self-help industry: You are to blame when the guru’s advice does not produce the expected outcome, and by now, we are all familiar enough with self-help to know that expected outcomes are elusive. […] Personal explanations for success actually set us up for failure. TED Talks and talk shows full of advice on what to eat, what to think and how to live seldom work. Self-help fixes are like empty calories: The effects are fleeting and often detrimental in the long term. Worse, they promote victim blaming. The notion that your resilience is your problem alone is ideology, not science. We have been giving people the wrong message. Resilience is not a DIY endeavor. Self-help fails because the stresses that put our lives in jeopardy in the first place remain in the world around us even after we’ve taken the “cures.” The fact is that people who can find the resources they require for success in their environments are far more likely to succeed than individuals with positive thoughts and the latest power poses. […] The science of resilience is clear: The social, political and natural environments in which we live are far more important to our health, fitness, finances and time management than our individual thoughts, feelings or behaviors.

NAMESTATION.COM. NameStation is a powerful combination of word-generation tools – from random-word generators (with character, special symbol and number options) to suffix and prefix tools – that all go and search the availability of the dotcom and other top-level domains in real time. Very handy. Imagine you’re building a healthy-food app. You might enter words such as ‘tasty’, ‘healthy’ and it helps by generating more, similar, words, and then immediately checks whether domains such as tastyapp.com, healthyfood.com and hundreds of other permutations are available. SEDO.COM. This is probably the largest – and most usable – premium domain reseller on the Internet. In one central place you can see all the great domain names you’d kill to own that enterprising individuals have already purchased and are now trying to resell (to entrepreneurs like you) at an inflated price. It’s vexing – but buying domain names is a just land grab. The site is easy to use – and reputable. I’ve purchased domains here before and had a flawless experience – but, as mentioned before, be ready to part with a few thousand dollars to get something short, catchy and memorable. DOMAINNAMESOUP.COM. This is a pretty fun site. For those looking to grab a short and unique name such as etsy.com, it helpfully lists all the available three-, four- and five-character domains – and also the ones that are currently for sale. It also has a big selection of tools to generate all kinds of company and app names for all kinds of industries and segments. I’ve used it many times and recommended it – with great feedback – to a lot of people. INSTANTDOMAINSEARCH.COM. This is a simple and handy site that allows you quickly to type in domain-name options and check whether they are available in real time – no page refreshes. It’s very handy. It also gives you a small selection of similar and related domains.

according to Donald Brown, a professor at the University of California, there is actually a common denominator to all human civilisations – a certain set of ‘attributes’ – which makes us fundamentally human. Brown has termed these the ‘human universals’.4 Let’s use this as a starting point. According to Brown, the human universals ‘comprise those features of culture, society, language, behaviour and psyche for which there are no exception. For those elements, patterns, traits, and institutions that are common to all human cultures worldwide.’ There are 67 universals in the list that are unique to humans: age grading, athletic sports, bodily adornment, calendar, cleanliness training, community organisation, cooking, cooperative labour, cosmology (study of the universe), courtship, dancing, decorative art, divination (predicting the future), division of labour, dream interpretation, education, eschatology (what happens at the end of the world), ethics, ethno-botany (the relationship between humans and plants), etiquette, faith healing, family feasting, fire making, folklore, food taboos, funeral rites, games, gestures, gift giving, government, greetings, hailing taxis,* hairstyles, hospitality, housing, hygiene, incest taboos, inheritance rules, joking, kin groups, kinship nomenclature (the system of categorising relatives), language, law, luck superstitions, magic, marriage, mealtimes, medicine, obstetrics, pregnancy usages (childbirth rituals), penal sanctions (punishment of crimes), personal names, population policy, postnatal care, property rights, propitiation of supernatural beings, puberty customs, religious ritual, residence rules, sexual restrictions, soul concepts, status differentiation, surgery, tool making, trade, visiting, weather control, weaving. My point here is that if your idea resonates with a human universal, you will maximise the universal appeal of your app. Solving a ‘universal’ problem creates a much bigger market opportunity than solving a geographically specific, language-related or generally niche issue not shared by a huge number of people. On the flipside, not every human universal maps to a billion-dollar idea. But the list of universals does provide a great checklist, so it’s worth checking to see if you can match apps that correspond to each one. When I was doing this exercise, I came across a fascinating example. I discovered a free app that, despite having more than 129 million downloads5 and massive daily usage numbers, has garnered very little media attention. It is called YouVersion.6 It’s a free Bible app that offers 600 translations of the Bible in 400 languages. It’s a billion-dollar opportunity that maps directly to the ‘religious ritual’ universal. It doesn’t earn much revenue today, but that just may be a matter of time.

Borderline” is a term clinicians use to describe people who, psychologically, are somewhere between normal/neurotic and psychotic. Neurotics–that is, most of us–have our conflicts and symptoms, but we manage to function in work and love, for better and for worse, most of the time. Psychotics typically don’t function at all in work or love. To be psychotic is largely to relate only to parts of the self–or to the world as an extension of oneself. People labeled “borderline” function in the world, but their relationship to it and to others is severely impaired. They tend to be self-destructive and impulsive. Emily’s history of self-mutilation, and her decision months back to spend her last dollar on a one-way ticket to see a man who was doing his best to elude her, would be considered typically “borderline” behaviors. The cause of this condition is considered to be severe damage in the early parent-child relationship. The key word associated with “neurotic” is “conflict”; with “borderline,” it is “deficit.” That is, while neurotics face difficulties in reconciling the demands of self with those of others, the “borderline” is in trouble at the very level of having or being a self.

What are we doing on our smartphones? It’s clear that the demand for more intelligent mobile devices is huge – but what is driving it? One way to understand this accelerating trend is to investigate exactly what we’re using our smartphones for. A typical smartphone user looks at their phone about 150 times per day.11 That seems like a ridiculous number, but, when you break it down by activity, it suddenly seems a lot more plausible. Try ruthlessly logging your own smartphone activity for a couple of days. I tried it, and was astonished when I exceeded that number. All this activity means that we are spending an incredible amount of time interacting with our smartphones. In 2013, the average US consumer spent an average of 2 hours and 38 minutes per day on their smartphone and tablet. That accounts for a whopping 17 per cent of their waking hours12 – that’s almost one-fifth of the time we spend with our eyes open. Wow! By the end of 2016, that number has increased to 3 hours and 6 minutes.13 Even more exciting is that those consumers spend 80 per cent of that time (that’s right – 2 hours and 29 minutes) using apps and only 20 per cent (37 minutes) on the mobile Web. Apps offer the better mobile experience – and as a result hold four times more of our daily attention than the mobile Web. So, now that we know that people love their apps, the question begs to be asked: which apps are hoovering up so much of our attention? The diagram below suggests we’re a big bunch of time-wasters, spending almost 60 per cent of our time on games, Facebook or entertainment-related apps. As you can see from this diagram, there are two apps so significant in their ability to capture and retain our attention that they deserve a direct mention. The Facebook app galvanises our attention so much that it represents 18 per cent of all time spent by Americans on smartphones. Social is clearly playing an increasing role our lives, especially on mobile. I’ll dive into the details later in the chapter. Interestingly, and this is a reflection of the quality of the app as well, in 2013 Apple’s Safari mobile browser captured 12 per cent of our time, representing more than half of all mobile Web browsing. Given the rather fragmented and competitive mobile browser space, this is a big achievement which represents another nail driven into the coffin of desktop browsing.

Good Design is as little design as possible – less, but better – because it concentrates on the essential aspects, and the products are not burdened with non-essentials. Back to purity, back to simplicity. – Dieter Rams Dieter Rams is one of great pioneers of industrial design. For decades he worked at Braun and pioneered state-of-the-art radios, audio equipment, cameras and furniture. He has been exalted by many as the leader of ‘minimalist, intuitive design’. Apple’s lead designer, Jony Ive, is one of many who have been massively influenced by his style.1 Rams is celebrated for his 10 principles of good design2 – something that is critical today. Keep these principles in mind as you design your app. According to Rams good design: • Is innovative • Makes a product useful • Is aesthetic • Makes a product understandable • Is unobtrusive • Is honest • Is long-lasting • Is thorough down to the last detail • Is environmentally friendly • Has as little design as possible. Design matters because competition in the app world is heating up and because people can be fickle. Twenty-six per cent of users will open your app once and never use it again.3 From that very first use you need to be able to deliver value to a user; you need to make them smile; you need them to say, ‘Wow, this is really cool!’; you need to set an expectation and deliver. You’re still at a stage where every dollar counts, so you need to find a way to get your design work done as quickly as possible, for as little money as possible (simultaneously, you want to be grooming your designer to join you full time when you get funding in place). Your goal is to get a designer to translate your wireframes into pixel-perfect mockups of your app. That basically means a set of screenshots and files that will look the same – pixel for pixel – as each screen of your app. Once those files are prepared, it is relatively simple work passing them on to your developers to implement as software code. One good way to expedite the design process is to become a bit of an expert in what constitutes a great app design (that’s what great product people do). Even if you aren’t a natural at design, that doesn’t mean you can’t teach yourself what works. Mobile-app design, I find, is a lot easier than website design because it’s a lot simpler. It is straightforward to tell if something is functional on mobile. It’s also very easy to get lots of opinions quickly by sharing the app – or just the screenshots of your app – with anyone who’ll listen. Ask pointed questions about specific things, and record all the feedback you get.

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In general, a weak currency is good for exporters and punishing for importers. In 1992, when the U.S. dollar was relatively weak, a New York Times story began, “The declining dollar has turned the world’s wealthiest economy into the Filene’s basement of industrial countries.”4 A strong dollar has the opposite effect. In 2001, when the dollar was strong by historical standards, a Wall Street Journal headline proclaimed, “G.M. Official Says Dollar Is Too Strong for U.S. Companies.” When the Japanese yen appreciates against the dollar by a single yen, a seemingly tiny amount given that the current exchange rate is one dollar to 90 yen, Toyota’s annual operating earnings fall by $450 million.

The same people who cry at movies will not blink an eye if you relate a tragedy. They will say, I’m so sorry for your loss. Like you have lost a thousand dollars on a horse race. Like it’s something replaceable. A pittance, in the grand scheme of things.

ALARM, 8 TIMES PER DAY: This is a big opportunity. There are lots of alarms apps in the market – and it’s clear we all use at least one of them on a daily basis. One innovation that has appeared in this sector is sleep-related alarm apps, such as Sleep Cycle, which attempt to wake you at the most optimal moment. But no single player seems to be dominating the market at the time of writing, and there is no single must-have app (partially because Apple’s native app is pretty good). Personally, I think there will be a big winner in this space. It won’t be anything obvious and I suspect it will be a very clever mashup app that takes us all by surprise.

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